Cooperativa de Productores Agrícolas y de Servicios Múltiples de la Zona de los Santos, R.L

Mission:

Fortalecer los proyectos y programas sostenibles, que impulcen el desarrollo de sus asociados(as), en armonia con el medio ambiente

Background and Main Challenges:

Nacio en 1979 cono una asociacion de productores agricolas y comercializacion. Cambio de figura juridica a cooperativa de servicios multiples en julio del 2008. Siguindo, con los mismos objetivos: logrando manejar programas y proyectos que impulsan el desarrollo de los pequeños prioductores, ... Read more

Address:

Santa Cruz de León Cortes zona los Santos, 200 metros al este de la Escuela

San José

Costa Rica

Phone:

(506) 2544-1680

Fax:

(506) 2544-1681

Email:

frutasanta [at] yahoo [dot] com

Website:

www.apacocr.org

Main Funding Sources:

Loans

Products and Services:

Loans

Services Provided:

Other

Looking for (Investment Types):

Loans in Local Currency

Loans in USD

Donations

Guarantees

Date established:

Jan 8 1986

FYE:

31-Dec

Current Legal Status:

Credit Union / Cooperative

Regulated:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in rural areas	1
Women	2
+ Development goals (ranked by importance)
Diversificar las fuentes de ingresos en los productores, mediante la diversificacion de cultivos, mejorando la calidad de vida.	1
Increased access to financial services	2
+ Poverty targets
Low income clients
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
SME loans
Loans for agriculture
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ 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:
+ Social responsibility to clients
+ Client protection principles in use
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.
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.
+ Cost of services to clients
Flat interest method
+ Social responsibility to staff
+ Human resources
Transparency on salary (a clear salary scale based upon market salaries)
Benefits (medical insurance, pension contribution)
Protection at work (safety, anti-harassment)
+ Basis of staff incentives related to social performance
+ Social responsibility to the environment
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use

MFI Report

Cooperativa de Productores Agrícolas y de Servicios Múltiples de la Zona de los Santos, R.L

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Social Performance Profile

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