Cámara de Comercio e Industrias de Choloma

Mission:

Es una organización gremial sin fines de lucro, prestadora de servicios de desarrollo empresarial que busca el fortalecimiento desu gremio, fomentando la inversion y promoviendo alianzas estrategicas para mejorar la competitiva a traves de la paractica de responsabilidad social empresarial.

Address:

Barrio El Chaparro Tercera Avenida, 4 y 5 Avenida Choloma.

Choloma

Honduras

Phone:

(504) 2669-3892

Fax:

(504) 2669- 3892

Email:

direccion [dot] jecutiva [at] ccich [dot] org

Website:

www.ccich.org

Main Funding Sources:

Loans

Products and Services:

Loans

Insurance

Services Provided:

Business Development Services

Looking for (Investment Types):

Loans in Local Currency

% Operations Comprised by MF:

0 - 10

Date established:

Jan 1 1995

FYE:

31-Dec

Current Legal Status:

Other

Regulated:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Women	1
Clients living in urban areas	2
Clients living in rural areas	3
+ Development goals (ranked by importance)
Increased access to financial services	1
Poverty reduction	2
Employment generation	3
Growth of existing businesses	4
Development of start-up enterprises	5
Youth opportunities	6
Children's schooling	7
Health improvement	8
Gender equality and women's empowerment	9
Water and sanitation	10
+ Poverty targets
Poor clients
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
SME loans
Housing loans
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
Voluntary credit life insurance
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Business development services
+ Education services offered
Occupational safety and health in the workplace education
+ 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.
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)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Portfolio quality
+ Social responsibility to the environment
+ Poverty measurement tools in use

Partnerships

Current
Name	Relationship
FAO-GTZ MicroBanking System	Vendor

MFI Report