Visión Banco S.A.E.C.A.

Objectifs:

Hacer de la creatividad nuestra principal arma competitiva, apoyada en los criterios fundamentales que deben regir el comportamiento de toda institución financiera: seguridad, rentabilidad, liquidez.

Contexte et principaux défis:

Visión S.A. de Finanzas fue creada en 1992. Es la primera institución financiera que ha incorporado un accionista institucional Acción Investments, a través de una oferta publica en el Mercado de Valores. Después de 15 años liderando en el Mercado de las Microfinazas, paso a operar en la ... En savoir plus

Adresse:

Avenida Santa Teresa 3088 y Consejal vargas

Asunción

Paraguay

Téléphone:

595 21 414 3000

Fax:

595 21 414 3000

Email:

vision [at] vision [dot] com [dot] py

Site web:

www.visionbanco.com

Principales sources de financement:

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Voluntary Savings

Funds Transfer Services

Produits:

Plataforma Vida:

- Prestamos Personales
- Prestamos a través de Asociaciones de Empleados
- Tarjeta de Crédito Credicard
- Tarjeta de Crédito Visa
- Cuenta Corriente
- Caja de Ahorros a la Vista
- Certificados de Depósito de Ahorro
- Cobro ... En savoir plus

Services Offerts:

Full-scale Financial Services

Education

à la recherche de :

Equity

Loans in Local Currency

Loans in US$

% des opérations représentant la MF:

61 - 70

Date de création:

Mai 19 1992

Date de fin d'exercice:

31-Dec

Statut légal actuel:

Bank

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
Femmes	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Génération d'emploi	3
Habitat	4
Réduction de la pauvreté	5
Eau et normes sanitaires	6
+ Poverty targets
Clients à faibles revenus
Pas d'objectif précis en termes de pauvreté
+ 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
Prêts d'éducation
Prêts au logement
+ 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
Carte de crédit/débit
Services bancaires mobiles
Remittances services
+ Services non financiers offerts
+ Enterprise services offered
Développement des qualités entrepreneuriales
Services de développement de l'activité
Talleres gratuitos de gestión empresarial ofrecidos a algunos clientes.
+ Education services offered
Education financière de base
Talleres gratuitos de gestión empresarial ofrecidos a algunos clientes.
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Atención a cadenas productivas, acompañado de Educación Financiera y cap. Técnica más de gestión de servicios de salud y cedulación.
+ 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
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
Cadenas Productivas
+ Responsabilité sociale envers l'environnement
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

Partenariats

Current
Nom	Relation
ACCION Investments	Funding
PlaNIS	Funding
PROFUND	Funding
RMF	Network Affiliation
Standard and Poors - Argentina	Rating
Triodos Fair Share Fund	Funding
Triodos Microfinance Fund	Funding

Organisations liées

Current
Nom	Relation
Smart Campaign	Endorsement

MFI Report

Select i

Profil de Performance Sociale

Partenariats

Organisations liées

En Bref

Contacts

Mises à Jour des Données du MIX

Partagez ce profil

Global Partners