Organización de Desarollo Empresarial Femenino Financiera S.A.

Objectifs:

To offer financial services to microenterprises and small businesses, similar to other legal financial services, with the end result of improving the quality of life for its clients.

Contexte et principaux défis:

Funcionar como una financiera a partir del segundo semestre del 2008.

Adresse:

Colonia Alameda, 13 y 14 ave. 3 calle NE.

San Pedro Sula

Honduras

Téléphone:

(504) 2565-0700

Fax:

(504) 558-0374

Email:

odef [at] odeffinancierasa [dot] org [dot] hn

Site web:

www.odeffinancierasa.org.hn

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Fund Transfer Services

Services Offerts:

Business Development Services

à la recherche de :

Loans in Local Currency

Donations

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1985

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Sectores de bajos ingresos	1
Clients living in rural areas	2
Femmes	3
Adolescents and youth (below 18)	4
Clients living in urban areas	5
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Amélioration de la santé	3
Habitat	4
Eau et normes sanitaires	5
Scolarisation des enfants	6
Croissance des entreprises existantes	7
Développement d'entreprises "start-up"	8
Génération d'emploi	9
Opportunités pour les jeunes	10
Improvement of adult education	11
Egalité des sexes et autonomisation des femmes	12
+ Poverty targets
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
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts au logement
Legalización de tierras
+ Savings products offered
Comptes courants
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Remittances services
Pago de servicios públicos
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
+ Education services offered
Education financière de base
+ Health services offered
Services médicaux de base
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	(1) Servicio Médico (2) Microcrédito (3) Proyecto de vivienda subsidiada (4) Agricultura (5) Legalizacion de Tierras (6) Maternidad (7) Adquisicion de activos fijos
+ 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
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use
Per capita household expenditure