Mentors Peru - Enterprise Mentors International

Mission:

Mejorar la Calidad de Vida de las familias Microempresarias Emergentes por medio de nuestros servicios de Capacitación, Mentoría y Microcréditos.

Background and Main Challenges:

Somos una institución microfinanciera con 07 años de operaciones en los principales distritos de Lima Norte. A partir del año 2008 se dio inicio a una nueva etapa de consolidación y de nuestro programa. Implementamos la metodología de Bancos Comunales y digimos nuestros esfuerzos a personas en ... Read more

Address:

Urbanizacion Good Year Mz. A Lt.20 Los Olivos

Lima

Lima 39

Peru

Phone:

(511) 715-5760

Fax:

(511) 718-8674

Email:

contacto [at] mentorsperu [dot] org [dot] pe

Website:

mentorsperu.org.pe/

Main Funding Sources:

Grants

Loans

Products and Services:

Loans

Training and Consulting

Services Provided:

Business Development Services

Looking for (Investment Types):

Equity

Loans in Local Currency

Loans in USD

Donations

% Operations Comprised by MF:

51 - 60

Date established:

Jan 1 2004

FYE:

31-Dec

Current Legal Status:

NGO

Regulated:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in urban areas	1
+ Development goals (ranked by importance)
Increased access to financial services	1
Gender equality and women's empowerment	1
Growth of existing businesses	1
Poverty reduction	1
Housing	2
Health improvement	3
Water and sanitation	3
Employment generation	3
Development of start-up enterprises	3
Youth opportunities	4
Children's schooling	5
Improvement of adult education	5
Mejorar e incentivar una cultura de previsión. Contamos con microseguros de vida con atención médica, unido a un programa de capacitación.	6
+ Poverty targets
Low income clients
+ 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
Housing loans
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
Voluntary life insurance
El seguro de vida cuenta con servicios de atención médica de muy bajo costo o gratuita. Además cuenta con un programa de educación para clientes.
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
Enterprise skills development
Business development services
+ Education services offered
Financial literacy education
Mentors Perú brindar talleres para clientas en aspectos de su unidad económica, aspectos familiares, aspectos personales.
+ Health services offered
Basic medical services
A través de aliados estratégicos se ofrecen atención médica y descuentos en medicamentos.
+ Women's empowerment services offered
Leadership training for women
Women's rights education/gender issues training
Las clientes con seguros cuentan con Asesoría Legal gratuita.
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Cuenta externa, producto ofrecido en bancos comunales.
+ 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.)
+ 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)
Créditos educativos con interés más bajo que el mercado, becas parciales para acceder a educación externa.
+ 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
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
+ Poverty measurement tools in use
Own proxy poverty index

Partnerships

Current
Name	Relationship
COPEME	Network Affiliation
Enterprise Mentors	Network Affiliation
Smart Campaign	Endorsement

MFI Report