Programas para la Mujer - Nicaragua

Mission:

Pro Mujer es una organización de desarrollo de la mujer que proporciona a las mujeres de bajos recursos de América Latina los medios para generarse el sustento y labrar un futuro para sus familias a través de las microfinanzas, la capacitación en negocios y el apoyo en salud.

Background and Main Challenges:

Pro Mujer en Nicaragua inicia operaciones en Julio de 1996, bajo la metodología de Asociaciones Comunales llegando a las zonas rurales y urbanas del occidente del País ofreciéndo Servicios Integrados de Crédito, Capacitación y Atención en Salud. Al 2011 Pro Mujer en Nicaragua ha ampliando sus ... Read more

Address:

Estatua de la Madre, 1 cuadra al oeste. Parque San Juan.

León

52003

Nicaragua

Phone:

(505) 2311-3971

Fax:

(505) 2311-3971

Email:

contacto [dot] nicaragua [at] promujer [dot] org

Website:

www.promujer.org

Main Funding Sources:

Loans

Products and Services:

Funds Transfer Services

Training and Consulting

Products:

Créditos, Capacitación y atención en salud. Pro Mujer en Nicaragua ofrece pequeños préstamos para capital trabajo que inicialmente oscilan entre U$ 25 hasta U$180 dólares. Las mujeres que van pagando sus préstamos a tiempo califican a préstamos más grandes. El crédito se ofrece bajo la ... Read more

Services Provided:

Full-scale Financial Services

Health

Education

Looking for (Investment Types):

Loans in Local Currency

Capacity-Building Grants

Loans in US$

% Operations Comprised by MF:

91 - 100

Date established:

Jan 1 1996

FYE:

31-Dec

Current Legal Status:

NGO

Regulated:

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
Clients living in rural areas	1
Clients living in urban areas	1
Women	1
+ Development goals (ranked by importance)
Gender equality and women's empowerment	1
Health improvement	1
Increased access to financial services	1
Poverty reduction	1
Housing	2
Employment generation	2
+ Poverty targets
Very poor clients
Poor clients
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
Microcredit for household needs/consumption
Loans for education
Housing loans
+ 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
+ Education services offered
Financial literacy education
Basic health/nutrition education
Planificación familiar, Educación sexual
+ Health services offered
Basic medical services
Servicios de promocion y prevención de salud
+ Women's empowerment services offered
Leadership training for women
Facilitar procesos de liderazgos comunitario, en las mesas directivas de las AC
+ Products and services targeting the poor
Products and services specifically designed to target the poor:	Servicios de Crédito bajo la metodología de Banca Comunal, Crédito de Grupo Solidario, Crédito de Vivienda, Crédito Escolar y Servicios de Salud y capacitación.
+ Social responsibility to clients
+ Client protection principles in use
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)
Existe convenio colectivo con beneficios extras a lo establecido en la Ley.
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to remote/rural communities
Outreach to women
Client retention/drop-out rate
Portfolio quality
Capacitación, promoción de salud
+ Social responsibility to the environment
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use

Partnerships

Current
Name	Relationship
ASOMIF	Network Affiliation
LMDF	Funding
Luxmint - ADA	Funding
MicroRate	Rating
Oxfam Novib Fund	Funding
Pro Mujer	Network Affiliation
REDCAMIF	Network Affiliation

MFI Report