Paglaum Multi-Purpose Cooperative

Objectifs:

Committed to provide continued access to financial services to an expanding client base, by organizing and empowering landless rural women, and by instilling the values of discipline, hardwork and saving in an atmosphere of mutual respect.

Contexte et principaux défis:

1. Increasing Capital needs of clients 2. High cost in delivering microfinance services 3. Members' product marketing support. 4. High cost of technological innovations 5.Poor insfrastructure and apprehensions to of some local officials.

Adresse:

2/F PMPC BLDG., Eastern Looc, Plaridel, Misamis Occidental

Oroquieta City

Philippines

Téléphone:

(088) 344-8633

Fax:

(088) 344-8633

Email:

paglaumcoop [at] yahoo [dot] com

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Training and Consulting

Fund Transfer Services

Services Offerts:

Full-scale Financial Services

Business Development Services

à la recherche de :

Loans in Local Currency

Donations

Capacity Building Grants

Equity investments

% des opérations représentant la MF:

41 - 50

Date de création:

Jan 1 1992

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Credit Union / Cooperative

réglementé:

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
Persons with Disability / IP	4
Clients living in urban areas	5
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Génération d'emploi	3
Développement d'entreprises "start-up"	4
Improvement of adult education	5
Croissance des entreprises existantes	6
Habitat	7
Opportunités pour les jeunes	8
Egalité des sexes et autonomisation des femmes	9
Scolarisation des enfants	10
Amélioration de la santé	11
Eau et normes sanitaires	12
Advocacies in protecting the environment.	13
+ 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 d'éducation
Prêts au logement
Micro Solar Energy.
+ Savings products offered
Voluntary savings accounts
Dépots à terme
Comptes d'épargne à but spécifique
ATM Savings Account.
+ Compulsory insurance products required
Compulsory credit life insurance
Compulsory agricultural insurance
MMAF In-house.
+ Voluntary insurance products offered
Voluntary credit life insurance
Voluntary life insurance
Voluntary house insurance
Voluntary agricultural insurance
Voluntary health insurance
Voluntary workplace insurance
Non-life Insurances.
+ Other financial products and services offered
Services bancaires mobiles
Services d'aide à l'épargne
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
Advertising and Promotions / Bagsakan Center (Showroom).
+ Education services offered
Education financière de base
Santé de base/éducation à la nutrition
Child and youth education
Formation à la sécurité et à la santé au travail
Skills Development.
+ Health services offered
Medical Mission and Outreach.
+ Women's empowerment services offered
Formation au leadership pour les femmes
Women's rights education/gender issues training
Services de conseils juridiques pour femmes victimes de violence
+ 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.
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
+ 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)
Retirement Policy.
+ Incitations du personnel liées à la performance sociale
In the process of developing incentive policy and guidelines.
+ Responsabilité sociale envers l'environnement
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
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)