+ Mission specifics
+ Target markets (ranked by importance)
Women
1
Clients living in rural areas
1
Clients living in urban areas
2
Adolescents and youth (below 18)
2
+ Development goals (ranked by importance)
Increased access to financial services
1
Poverty reduction
1
Housing
2
Gender equality and women's empowerment
2
Health improvement
2
Growth of existing businesses
2
Employment generation
2
Development of start-up enterprises
2
Water and sanitation
2
Youth opportunities
3
Improvement of adult education
4
Children's schooling
4
+ Poverty targets
Very poor clients
1
Poor clients
1
Low income clients
1
+ Governance
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
1
Housing loans
1
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
1
+ Voluntary insurance products offered
Voluntary credit life insurance
1
Other voluntary insurance offered:
1
Int ps othertextvol c
Cada un@ de nuestr@s asociad@s tienen la posibilidad de recibir servicios en prevención de salud que incluye salud bucal
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
Financial literacy education
1
Occupational safety and health in the workplace education
1
Other education services offered:
1
Int ps nonfinsvcedothertext c
Tenemos un plan de Alfabetización para cada un@ de nuestr@s asociados que no saben leer ni escribir.
+ Health services offered
Other health services offered:
1
Int ps nonfinsvchealthothertext c
Este servicio lo realizamos junto con otros socios estratégicos como son clínicas rurales.
+ Women's empowerment services offered
Leadership training for women
1
Other women's empowerment services offered:
1
Int ps nonfinsvcwomenempothertext c
En nuestras reuniones y al ser las mujeres uno de los objetivos principales, realizamos charlas levantando la moral y autoestima de nuestras mujeres
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Apoyamos sistemas de procesamiento de agua (en nuestro País no contamos con un sistema nacional que potabilice el agua). * Prestamos para Escuelas privadas.
+ 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
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
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use
Hemos desarrollado por mas de 10 años dos encuesta que miden la pobreza, indicando en las mismas los ingresos en el hogar, gastos, educacion, aspectos de salud, entre otras.
MFI Report
