Mitra Usaha Kecil (MUK) | MFIs in Indonesia

Objectifs:

To raise society’s awareness of environmental issues and to provide opportunities for people in chronic poverty to improve their lives

Adresse:

Jl. Raya Abianbase - 179 A - Mengwi

Badung

Bali

80351

Indonesia

Téléphone:

62361 7472342

Fax:

(036) 142-5875

Email:

iriantow [at] indo [dot] net [dot] id

Site web:

www.dinaribali.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Voluntary Savings

Insurance

à la recherche de :

Loans in Local Currency

Donations

% des opérations représentant la MF:

81 - 90

Date de création:

Jan 1 1992

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NGO

réglementé:

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in rural areas	1
Femmes	1
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Habitat	1
Egalité des sexes et autonomisation des femmes	1
Scolarisation des enfants	2
Génération d'emploi	2
Réduction de la pauvreté	3
Improvement of adult education	4
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ 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
Prêts agricoles
Prêts au logement
Green loan for biofuel
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Comptes d'épargne à but spécifique
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Services d'aide à l'épargne
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
+ Education services offered
Education financière de base
Formation à la sécurité et à la santé au travail
+ Health services offered
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Individual loan, group lending, housing loan, green loan, education saving, future saving, feast day saving, voluntary saving
+ 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 de l'amortissement dégressif
+ 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 des données sociales collectées
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution identifies enterprises with environmental risk
This institution offers lending lines linked to alternative energies
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)

Partenariats

Current
Nom	Relation
Kiva	Funding
Opportunity International	Network Affiliation

MFI Report

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Profil de Performance Sociale

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