Community Support Concern

Gross Loan Portfolio USD, 2010: 2.3 million

Number of active borrowers 2010: 13,853

Average loan balance per borrower USD, 2010: 169.2

Deposits USD, 2010: —

Assets USD, 2010: —

Number of depositors 2010: —

Mission:

Vision:

Communities leading socially and economically prosperous lives.

Mission:

To provide quality health and social services to underserved communities in Pakistan, by using innovative and participatory approaches.

Background and Main Challenges:

Community Support Concern, a non-governmental, non profit organization, born in 1989 has been working for social uplift of the society, mainly the rural & semi urban communities. It started working with Education and Health and has paved way for integrated approaches. CSC has adopted ... Read more

Address:

Building # 319 Block 4, Sector D1 Green Town

Lahore

Punjab

Pakistan

Phone:

+92-42-5123623

Fax:

+92-42-5114363

Email:

cscpk [at] brain [dot] net [dot] pk

Website:

www.cscpk.org

Main Funding Sources:

Grants

Loans

Products and Services:

Loans

Services Provided:

Health

Other

% Operations Comprised by MF:

91 - 100

Date established:

Jan 1 1989

FYE:

30-Jun

Current Legal Status:

NGO

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)
Poverty reduction	1
Growth of existing businesses	2
Health improvement	3
Gender equality and women's empowerment	4
Development of start-up enterprises	5
Employment generation	6
+ Poverty targets
Poor clients
Low income clients
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
Business development services
+ Education services offered
Child and youth education
+ Health services offered
+ Women's empowerment services offered
Leadership training for women
Women's rights education/gender issues training
Counseling/legal services for female victims of violence
+ 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.
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.
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
+ 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
Portfolio quality
+ Social responsibility to the environment
+ Poverty measurement tools in use