Milamdec Foundation Inc.

Objectifs:

Poverty alleviation and community development
Assistance,job creation, evangelization, development of people

Adresse:

27 Dahlia St., Carmen

Cagayan De Oro City

9000

Philippines

Téléphone:

(63-8822) 728-499

Fax:

(63-8822) 728-499

Email:

milamdectibod [at] yahoo [dot] com

Produits et Services:

Loans

Voluntary Savings

Training and Consulting

à la recherche de :

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Mar 1 1992

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in rural areas	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Accès accru aux services financiers	3
Croissance des entreprises existantes	4
Habitat	5
Amélioration de la santé	6
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
Dispose d'un comité officiel au sein du conseil qui surveille la performance sociale
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Prêts aux PME
Prêts agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
Compulsory credit life insurance
Compulsory agricultural insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ Education services offered
+ Health services offered
+ 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.
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
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
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
Inclusion des communautés rurales/isolées
Inclusion des femmes
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
Grameen Progress out of Poverty Index (PPI)