+ Mission specifics
+ Target markets (ranked by importance)
Women
1
Clients living in rural areas
2
Clients living in urban areas
3
Adolescents and youth (below 18)
4
+ Development goals (ranked by importance)
Poverty reduction
1
Development of start-up enterprises
2
Employment generation
3
Growth of existing businesses
4
Improvement of adult education
5
Gender equality and women's empowerment
6
Health improvement
7
Water and sanitation
8
Housing
9
Youth opportunities
9
Children's schooling
10
+ Poverty targets
Very poor clients
1
Poor clients
1
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
Microcredit for household needs/consumption
1
SME loans
Loans for agriculture
1
Loans for education
1
Housing loans
1
Other credit products offered:
1
Int ps offerothercreditloanstext c
Programas de microfranquicias (préstamo para la venta de mochilas y útiles escolares). Convenio con la Institución Vittana (préstamos para interesados en realizar estudios técnicos o académicos superiores y necesitan financiación).
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
Savings facilitation services
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
1
Business development services
1
+ Education services offered
Financial literacy education
1
Child and youth education
1
Other education services offered:
1
Int ps nonfinsvcedothertext c
Educación en fortalecimiento empresarial. Programa de Educación Emprendedora. Escuelas agrícolas (bachilleratos técnicos).
+ Health services offered
Other health services offered:
1
Int ps nonfinsvchealthothertext c
1. Microfranquicias de anteojos 2. Detección de cataratas para adultos mayores 3. Microfranquia Farmacita.
+ Women's empowerment services offered
Leadership training for women
1
Women's rights education/gender issues training
1
Other women's empowerment services offered:
1
Int ps nonfinsvcwomenempothertext c
Capacitación en aspectos empresariales que contribuyen al empoderamiento de la mujer, fortaleciendo su capacidad en la toma de decisiones que ayuden al mejoramiento de su bienestar personal y familiar.
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Microfranquicias (iniciando con US$ 50) para que los clientes pobres puedan empezar sus actividades de generación de ingresos. Programa "Comite de Mujeres" ofrece préstamos iniciales de US$ 30 a mujeres muy pobres.
+ 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 women
Quality of interaction with clients based on client feedback mechanisms
Quality of social data collected
Client retention/drop-out rate
Portfolio quality
1. De acuerdo con la antigüedad, lo funcionarios pueden acceder a becas. 2. Préstamos con créditos preferenciales. 3. Plan de Carrera 4. Comunicación celular corporativa . 5. Concursos de oficinas, oficiales de crédito y asesoras de Comités de Mujeres.
+ 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
Per capita household expenditure
1
Per capita household income
Own proxy poverty index
MFI Report
