Sociedad Cooperativa PADECOMSM Credito de RL de CV

Objectifs:

Somos una entidad especializada en servicios microfinancieros accesibles, agiles y oportunos a la micro y pequeña empresa, con rentabilidad económica y responsabilidad social; contribuyendo asi a mejorar las condiciones de vida de nuestros clientes.

Contexte et principaux défis:

La Socidad Cooperativa PADECOMSMCREDITO DE R.L DE C.V, tiene sus origenes de PADECOMSM (Patronato para el Desarrollo de las Comunidades de Morazan y San Miguel) como Programa de Creditos a micro y pequeños empresarios, PADECOMSM es una ONG que opera desde el año 1994 dedicada a la ejecucion de ... En savoir plus

Adresse:

Avenida Presbítero Norberto Cruz, Barrio Soledad Casa Nº 11, San Francisco Gotera.

Morazán

El Salvador

Téléphone:

(503) 2668-8700

Fax:

(503) 2654-1934

Email:

jose_renderos [at] msn [dot] com

Site web:

www.padecomsmcredito.com.sv

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Insurance

à la recherche de :

Loans in US$

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1994

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)
Clients living in rural areas	1
Clients living in urban areas	2
Femmes	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Génération d'emploi	1
Réduction de la pauvreté	1
Habitat	2
Scolarisation des enfants	2
+ Poverty targets
Clients très pauvres
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
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ Enterprise services offered
+ 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.
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
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
This institution raises clients' awareness about environmental impacts
This institution includes specific clauses in its loan contracts to mitigate specific environmental risks
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use