Te Creemos, S.A. de C.V. SOFIPO

Objectifs:

Te Creemos es una empresa que busca permanentemente la vinculación de largo plazo con sus clientes a través de servicios financieros en el sector popular, en el marco de la normatividad aplicable y de las mejores prácticas del sector, basada en una filosofía de sustentabilidad, rentabilidad y ... En savoir plus

Contexte et principaux défis:

Te Creemos será la financiera popular: con el reconocimiento de sus clientes por su servicio y trato; con la mayor lealtad de sus clientes y colaboradores; con la mayor cobertura nacional en redes urbanas; con la estructura humana más profesional y especializada del sector; con servicios y ... En savoir plus

Adresse:

Celaya No. 26 locs. 4, 5 y 6 Col. Hipodromo Condesa

Cuauhtemoc

México D.F.

6100

Mexico

Téléphone:

5584 2233

Fax:

5584 2233 EXT. 1285

Email:

info [at] tecreemos [dot] com

Site web:

www.tecreemos.com.mx

Principales sources de financement:

Loans

Produits et Services:

Loans

Voluntary Savings

Insurance

à la recherche de :

Loans in Local Currency

Date de création:

Août 10 2005

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 urban areas	1
Clients living in rural areas	2
Específicamente nos enfocamos en el Sector Popular	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Habitat	3
Proveer Servicios Financieros Integrales en el sector Popular	4
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Prêts aux PME
Prêts au logement
Prestamos personales para colaboradores de la empresa
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
Dépots à terme
+ Compulsory insurance products required
Compulsory credit life insurance
Seguro de vida, Seguro de Accidentes(reembolso de gastos) y Seguro de Incapacidad temporal o permanente por Enfermedad y/o Accidentes
+ Voluntary insurance products offered
Voluntary life insurance
Voluntary house insurance
Voluntary health insurance
Todos estos se encuentran en desarrollo para su implementación
+ Other financial products and services offered
Services d'aide à l'épargne
+ 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:	Todos nuestros productos están diseñados específicamente para el sector popular, tanto los activos como los pasivos, salvo un producto de captación a plazo patrimonial.
+ 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
Qualité du portefeuille
Crecimiento de cartera, sucurales y regiones. Bonos por Rentabilidad.
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use