Intihuaca S.A. - Banco Mundial de la Mujer Argentina

Objectifs:

Se constituyó con el objeto de promover la creación y el desarrollo de la micro y pequeña empresa, el autoempleo y el mejoramiento de las condiciones de vida de los microempresarios y trabajadores, facilitándoles especialmente el acceso al crédito .

Contexte et principaux défis:

El Banco Mundial de la Mujer considera a las empresarias y productoras de bajos ingresos como agentes dinámicos de la economía, que necesitan tener acceso a las finanzas, conocimientos y mercados y no a la caridad o subsidios. Esta visión es coincidente con la organización. El Banco Mundial de ... En savoir plus

Adresse:

Av. 19 de Abril 749 - Esquina Lavalle-Monoblock

San Salvador de Jujuy

Jujuy

Argentina

Téléphone:

54 388 4223338

Fax:

54 388 4223338

Email:

sucursal [dot] jujuy [at] bancodelamujer [dot] com

Site web:

www.bancodelamujer.com

Principales sources de financement:

Loans

Shareholder Capital

Produits et Services:

Loans

Services Offerts:

Health

à la recherche de :

Loans in Local Currency

Capacity-Building Grants

Donations

Guarantees

Equity investments

Loans in US$

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Avr 12 2004

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ Gouvernance
Has trained members of its board on social performance management
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Crédito de Temporada destinada para fechas significativas como el Día del Niño-Día de la Madre-Día del Padre-Fiestas de Fin de Año-Fiestas Patronales etc.)
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
Services médicaux de base
Acceso al sistema primario de la salud del titular del crédito más cónyuge y menores de 21 años,
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Coûts des services aux clients
Méthode du taux constant
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Qualité de l'interaction avec les clients basée sur les mécanismes de commentaires de la clientèle
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use
Per capita household expenditure
Per capita household income
Indice du logement
Means test