Consultores de Servicios Varios S.A. DE C.V. SOFOM ENR

Gross Loan Portfolio USD, 2010: 9.2 million

Number of active borrowers 2010: 33,172

Average loan balance per borrower USD, 2010: 278.6

Deposits USD, 2010: 1.7 million

Assets USD, 2010: 14.6 million

Number of depositors 2010: 33,172

Mission:

Contribuimos en la lucha contra la pobreza y la injusticia acercando a las familias los servicios que les permitan alcanzar una mejor calidad de vida y un desarrollo sustentable.

Background and Main Challenges:

Ser la microfinanciera líder en la región por su reconocimiento, autosustentabilidad y profesionalismo, ofreciendo productos innovados y renovados a las mijeres emprendedoras.

Address:

Avenida Palma Corozo N° 415 A , Col. Las Palmas

Tuxtla Gutierrez

Chiapas

29040

Mexico

Phone:

(01) 961 604 2465

Fax:

(01) 961 604 3174

Email:

contacto [at] conserva [dot] org [dot] mx

Website:

www.conserva.org.mx

Main Funding Sources:

Loans

Shareholder Capital

Products and Services:

Loans

Voluntary Savings

Services Provided:

Business Development Services

Health

Education

% Operations Comprised by MF:

91 - 100

Date established:

Oct 20 1999

FYE:

31-Dec

Current Legal Status:

NBFI

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
Employment generation	2
Poverty reduction	2
Gender equality and women's empowerment	3
Health improvement	3
+ Poverty targets
No specific poverty target
+ 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
+ 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
Financial literacy education
Basic health/nutrition education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
+ 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.
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
Quality of interaction with clients based on client feedback mechanisms
Quality of social data collected
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use

Partnerships

Current
Name	Relationship
Fern Software	Vendor
Prodesarrollo	Network Affiliation

MFI Report