Consejo de Asistencia al Microemprendedor, S.A. de C.V., SFP

Data provided through Prodesarrollo

Gross Loan Portfolio USD, 2011: 69.6 million

Number of active borrowers 2011: 298,564

Average loan balance per borrower USD, 2011: 233.0

Deposits USD, 2011: 23.6 million

Assets USD, 2011: 92.1 million

Number of depositors 2011: 296,411

Mission:

Impulsar la iniciativa de emprendedores, captando y canalizando recursos financieros de sus comunidades mediante servicios como ahorro, crédito y seguros, y con ello contribuir a la creación de una cultura financiera incluyente y solidaria que mejore su calidad de vida.

Background and Main Challenges:

Ser la principal institución de microfinanzas de nuestros clientes que aporte a la creación de riqueza compartida, líder en calidad e innovación, así como en solidez y compromiso con la comunidad.

Address:

Av. Colonia del Valle No. 615, Col. del Valle

Benito Juárez

México D.F.

03100

Mexico

Phone:

5340 3070

Fax:

5340 3070

Website:

www.came.org.mx

Main Funding Sources:

Grants

Loans

Products and Services:

Loans

Voluntary Savings

Looking for (Investment Types):

Loans in Local Currency

Donations

Loans in US$

% Operations Comprised by MF:

91 - 100

Date established:

Jan 1 1993

FYE:

31-Dec

Current Legal Status:

NBFI

Regulated:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clients living in rural areas	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Increased access to financial services	1
Gender equality and women's empowerment	2
Employment generation	3
Poverty reduction	4
+ Poverty targets
Low income clients	1
+ Governance
Has trained members of its board on social performance management
Has a formal board committee that monitors social performance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises	1
Loans for agriculture	1
+ Savings products offered
Voluntary savings accounts
Compulsory savings accounts (cash collateral)
+ Compulsory insurance products required
Compulsory credit life insurance	1
+ Voluntary insurance products offered
+ Other financial products and services offered
Savings facilitation services
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
Financial literacy education	1
Basic health/nutrition education	1
+ Health services offered
+ Women's empowerment services offered
Other women's empowerment services offered:	1
Int ps nonfinsvcwomenempothertext c	Financiero
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Microcréditos (Préstamo CAME e interciclo)
+ 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.
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.
+ Cost of services to clients
Declining balance 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)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to remote/rural communities
Outreach to women
Quality of interaction with clients based on client feedback mechanisms
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
+ Poverty measurement tools in use
Encuesta NSE