Shri Mahila Sewa Sahakari Bank Ltd

Objectifs:

Sewa Bank's mission is to reach out to the maximum number of poor women workers engaged in the informal sector and provide them suitable financial services for their socioeconomic empowerment and self-development through their own management and ownership.

Adresse:

109, First Floor,Sakar II Opp Town Hall, Ellisbridge

Ahmedabad

Gujarat

380006

India

Téléphone:

+91 79 26581597

Email:

mail [at] sewabank [dot] com

Site web:

www.sewabank.com

Principales sources de financement:

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Insurance

Training and Consulting

Services Offerts:

Second-tier Lending to MFIs

Business Development Services

Health

Education

Other

% des opérations représentant la MF:

91 - 100

Date de création:

Mai 20 1974

Date de fin d'exercice:

31-Mar

Statut légal actuel:

Bank

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in urban areas	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Habitat	2
Amélioration de la santé	3
Eau et normes sanitaires	4
Réduction de la pauvreté	5
Opportunités pour les jeunes	6
Développement d'entreprises "start-up"	7
Croissance des entreprises existantes	8
Scolarisation des enfants	9
Egalité des sexes et autonomisation des femmes	10
+ 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 agricoles
Prêts d'éducation
Prêts au logement
+ Savings products offered
+ Compulsory insurance products required
+ 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
+ Responsabilité sociale envers le personnel
+ Ressources humaines
+ Incitations du personnel liées à la performance sociale
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
M-CRIL	Rating
WWB	Network Affiliation

MFI Report