Proyecto e Iniciativas Locales para el Autodesarrollo Regional de Honduras OPDF

Objectifs:

Somos una isntitucion especializada en la prestacion de servicios financieros rurales con calidad y respuesta oportuna a las necesidades de los microempresrios agricolas y no agricolas, contribuyendo a mejorar su nivel de vida.

Contexte et principaux défis:

1-Cumplimiento de las condiciones establecidas por la Comision Nacional de Bancos y Seguros. 2-La Adecuacion de los productos a las necesidades del mercado meta. 3-La Definicion de una estrategia de expansion que permita un crecimiento acelerado. 4-Crecer en un mercado altamente competitivo. ... En savoir plus

Adresse:

Barrio Mercedes 1era avenida entre 2 y 3 calle N.E. esquina opuesta a Plaza Nuevos Horizontes

Santa Rosa de Copán

Copán

Honduras

Téléphone:

(504) 2662-2749

Fax:

(504) 2662-2748

Email:

opdf [at] pilarh-opdf [dot] org

Site web:

www.pilarh-opdf.org

Principales sources de financement:

Grants

Loans

Produits et Services:

Loans

Voluntary Savings

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 1997

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)
Clients living in rural areas	1
Femmes	2
Adolescents and youth (below 18)	3
Clients living in urban areas	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Génération d'emploi	2
Développement d'entreprises "start-up"	3
Accès accru aux services financiers	4
Opportunités pour les jeunes	5
Croissance des entreprises existantes	6
Egalité des sexes et autonomisation des femmes	7
+ Poverty targets
Clients pauvres
+ 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
+ Savings products offered
Comptes courants
Voluntary savings accounts
Dépots à terme
+ 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
Développement des qualités entrepreneuriales
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
Asesoría técnica para el desarrollo de sus capacidades administrativas y financieras
+ 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 de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
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 du portefeuille
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use
Per capita household expenditure
Per capita household income
Indice du logement

Partenariats

Current
Nom	Relation
CORDAID	Funding
Hivos	Funding
MFSI	Vendor
Oikocredit	Funding
Red Katalysis	Network Affiliation
REDCAMIF	Network Affiliation
REDMICROH	Network Affiliation

MFI Report