MFR Latin America

MicroFinanza Rating | Latin America

S.A. MICRORIESG

Rumipamba E2-214 y Av. República esquina; Edificio Signature, Piso 11, Oficina 1106, Quito - Ecuador
+593 2 351 82 99

MICROFINANZA RATING BOLIVIA LLC

Calle 23 de Calacoto #8124 esq. Av Ballivian; Edificio Torre Faith, Piso 8, Oficina G, La Paz - Bolivia
+591 2 2972041

MICROFINANZA RATING MEXICO

Mexico City - Mexico
+52 155 6479 3582
+591 2 2972041

MICROFINANZA RATING PERU

Av. José Pardo 138, Oficina 902, Miraflores, Lima - Peru
+51 967158226
MicroFinanza Rating has been operating in Latin America since 2005 and has consolidated its presence through the incorporation of two Regional Offices in Ecuador and Bolivia and staff based out of Mexico.
Created in 2005, S.A. MicroRiesg is recognized by the Superintendency of Banks of Ecuador and authorized to carry out mandatory Credit Ratings of regulated MFIs in 2007, thus becoming the FIRST specialized rating agency. Out of Quito, the MFR team covers all South America. Visit our page dedicated to MicroRiesg  for more info.
Since May 2014 MicroFinanza Rating Bolivia LLC is licensed in Bolivia to provide social and credit rating services by the Supervisory Authority of the Financial System (ASFI).
Starting from 2014, MicroFinanza Rating has re-launched its operations in the Central American markets thanks to our staff based out of Mexico.
CountryOur clients in the Region
Argentina ANDARES, ProMujer Argentina
Bolivia CASA, EMPRENDER, Banco FIE, Fondeco, ANED, PRORURAL, Banco Fortaleza, Sembrar Sartawi, Banco Pyme de la Comunidad S.a., Fubode, Banco Prodem, ProMujer Bolivia, Diaconia Frif, IDEPRO, Banco Sol, Mimosa
Brasil CEADe, Accion Brazil
Chile Fundación Esperanza
Colombia CONTACTAR, Crezcamos, FLO, ECLOF Colombia, CDM, Opportunity Colombia
Costa Rica BOULDER Latin America
República Dominicana MUDE, Banco ADEMI, ECLOF, FVBBA, Vision Fund República Dominicana
Ecuador ACJ-CESOL, Banco Pichincha, Banco D-Miro, Banco Solidario, Banco Sudamericano, CACMU, CACPE Biblian, CACPE Loja, CEPESIU, COAC Alianza del Valle, CACSPMEC, COAC Ambato, COAC Artesanos, COAC Atuntaqui, COAC Comercio, COAC El Sagrario, COAC Jardín Azuayo, COAC JEP, COAC La Benéfica, COAC Maquita Cushunchic, COAC MEGO, COAC Oscus, COAC Padre Julián Lorente, COAC Pastaza, COAC San José, COAC Santa Ana, COAC Santa Anita, COAC Señor de Girón, COAC Zamora, CODESARROLLO, CODESPA, COOPERCO, ECLOF Ecuador, ESPOIR, FACES, FASCA, FINCA, FODEMI, Fundación Alternativa, Fundación D-Miro, Huellas Grameen, INSOTEC, MINGA, Mushuc Runa, PROINCO, UCADE, UROCAL, Vision Fund Ecuador, CAPCE Pastaza, Coac Cámara de Comercio Ambato, COAC Riobamba, COAC Policía Nacional, UCACSUR, Red Financiera Rural, Oikocredit, MicroVentures, BOULDER MFT México, BOULDER MFT Turin, Cooprogreso, COAC CHONE, COAC San Antonio
El Salvador APOYO INTEGRAL, GENESIS, PROFIM, Fundación Campo, PADECOMS, Enlace, ASOMI, FVBBA, SAC Integral
Guatemala Fundación MICROS, AGUDESA, FONDESOL, SHARE, FVBBA, BOULDER Latin America, Friendship Bridge
Haití ACLAM, ACME, BPH (Banque Populaire Haïtienne), BUH (Banque de l’Union Haïtienne), COAC Kotelam, COD EMH, FHAF (Fonds Haïtien d’Aide a la Femme), FINCA, FODESPOIR, GRAIFSI, GTIH, ID (Initiative Développement), MCC (Micro Crédit Capital), SADA, SF FONKOZE SA, SOGESOL, World Relief, Palmis Mikwofinans Sosyal
Honduras CACIL, COAC Ceibeña, COAC EHL, COAC Sagrada Familia, COAC San Antonio C. Tela, COMFRAMUL, COMIXMUL, CREDISOL, FAMA Honduras, FINCA Honduras, FINSOL, Fundación COVELO (I y II piso), FUNDAHMICRO, FUNED, ODEF, PILARH OPDF, PRISMA, PROMIFIN, TRIODOS FACETA, CSF Funder, BANCO POPLUAR, ACI America, RedMICROH, KATALYSIS, FVBBA, SPTF/SDC
México AlSol, CAME, Corporación Pacto, Sofom, Crezkamos, Emprende Capital, EQUIPATE, FAMPEGRO, Fideicomiso Impulsa Colima, FINCA, FINCOMUN, FOFOE Fondo Chiapas, FOJAL, FOMICH Michoacan, Fondo Aguascalientes, Fondo Baja California, Fondo Campeche, Fondo Chihuahua, FONDO CREACION, Fondo del Futuro (Veracruz), Fondo Guanajuato, Fondo Nuevo León (Focrece), Fondo Plata Zacatecas, Fondo Sonora, Fondo Tabasco, Fondo Tamaulipas, Fondo Tlaxcala (FOMTLAX), Fondo Yucatán, Fondos Baja California, Fondos Guanajuato, IMOFIN, Impulsa Sofom (Puebla), Innovateur Sofom, Instituto Mexiquense del Emprendedor (Hidalgo), Mi Crédito, (Sofom Morelos), Microcrece, Operadora de Fondos Hidalgo, Operadora Fondes (Sofom), PROGRESEMOS, Red Fosin (Sinaloa), Sawbona (Sofom), Si Financia, SIFIDE, Sociedad Cooperativa Fomento Regional, (Yucatán, SOCAP), Unión de Crédito General Zacatecas, ProMujer México, FVBBA, Rabobank, Fofomi, Magil, Apoyo Integral México, Avance, VisionFund México, Pretmex, BOULDER Latin America, Emprendamos, Provident, CONSERVA
Nicaragua ACODEP, CEPRODEL, COAC 20 de Abril, COAC CARUNA, Cooperativa LA UNION, Financiera FUNDESER, FINCA, FJN, Fondo de Desarrollo Local (FDL), FUDEMI, Fundación LEON2000, PRESTANIC, PROMIFIN, ProMujer Nicaragua, SERFIGSA, Asomif, Fondo de Credito Rural, Fundenuse
Panama CFE
Paraguay Vision Banco, Fundación Paraguaya
Perú ProMujer Perú, CMAC Arequipa, Edypme Raiz, CAC Fondesurco, Edpyme Confianza, FINCA Perú, MIDE, Edpyme Proempresa, Prisma, Arariwa, Alternativa Perú, Edaprospo, ECLOF Perú, BOULDER Turin, Edpyme Credivision
 

Testimonials

"La experiencia vivida con MicroFinanza Rating ha sido muy satisfactoria, sus observaciones son acertadas y objetivas. El equipo que estuvo a cargo del proceso es muy capaz, prudente y ecuánime. El proceso de la calificación ha sido útil porque nos ha permitido implementar planes de mejoras en lo estratégico y operacional."
fundenuse
Denis Aleman,
Director Ejecutivo, FUNDENUSE Nicaragua
"El Rating Social de MicroFinanza Rating nos provee información desde una perspectiva externa y objetiva sobre nuestro desempeño y el cumplimiento de nuestros objetivos sociales, convirtiéndose en una fuente para identificar oportunidades de mejora. Nos permite conocer y entender los estándares y principios que el sector microfinanciero ha venido desarrollando para implementar Sistemas de Gestión de Desempeño Social que mantengan a la institución focalizada en lograr el equilibrio financiero y social, y por ende su sostenibilidad."
logocrezcamos
Vanessa Bojacá,
Director de Planificación, CREZCAMOS Colombia
"La Certificación de protección al cliente ratifica el esfuerzo que nuestra institución realiza por proteger nuestro activo más importante, nuestros clientes y marca un hito en nuestro posicionamiento como Microfinanciera preocupada por sus clientes, lo cual nos motiva a seguir trabajando para cumplir con nuestra visión. Es preciso destacar el profesionalismo del equipo de MicroFinanza Rating, expresado en imparcialidad, transparencia, buena capacidad de análisis y preocupación por el cliente, lo cual contribuyó a que el proceso de certificación sea enriquecedor y satisfactorio."
logo raiz-mod
Julieta Capillo,
Sub Gerente de Finanzas, EDPYME RAIZ Perú

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Latin America News:

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06/06/2018
2° Foro Internacional de Microfinanzas 11-12 junio, Perú

asomif logo

 

MicroFinanza Rating participará en el 2° Foro Internacional de Microfinanzas, organizado por la Asociación de Instituciones de Microfinanzas del Perú - ASOMIF PERÚ que se realizará en Lima del 11 al 12 de junio. Evrim Kirimkan, Director Regional para América Latina en MFR, participarà en el evento como panelista con una conferencia titulada: "Lograr la misión institucional mediante la gestión del desempeño social: marco conceptual, benchmark regional y experiencia práctica". El foro es el espacio propicio para que todos los líderes del sector microfinanciero interactúen, reflexionen, actualicen, fortalezcan y compartan sus conocimientos con las nuevas tendencias y desafíos para la inclusión financiera en un entorno digital. Para más información, visite el sitio web del foro.

16/04/2018
Servicios Financieros Enlace has been awarded the Truelift Achiever Milestone

MicroFinanza Rating announces that Servicios Financieros Enlace is now recognized by Truelift as the Achiever Milestone.

An Achiever institution demonstrates that it meets expectations in all three areas of outreach, adapted services, and tracking of client progress. Its results show a significant positive impact on many of its clients’ lives. The institution has good performance and earns a minimum appropriate score in all three Pro-Poor Principles. It demonstrates its financial sustainability and strength, and sufficiently complies with the Universal Standards for Social Performance Management. An Achiever institution’s actions indicate quality pro-poor microfinance practice.

Servicios Financieros Enlace provides financial services to micro and small entrepreneurs throughout El Salvador. ENLACE was established in 1998 as a programme of the Catholic Relief Services (CRS) and several local partners. The MFI offers various financial services, such as housing, agricultural or seasonal loans. ENLACE reaches out to the poorest people in El Salvador by channel financing mainly through solidarity groups, fostering inclusion by providing financial support to entrepreneurs that are willing to start new businesses or strengthen the economic activity upon which they base their living.

Find more on Servicios Financieros Enlace here.

 

Follow us on Twitter and LinkedIn for updates and important news from the microfinance sector.

 

Enlace TrueliftCertificate Apr-2018

16/04/2018
Pro Mujer Nicaragua has been awarded the Truelift Achiever Milestone

MicroFinanza Rating announces that Pro Mujer Nicaragua is now recognized by Truelift as the Achiever Milestone.

An Achiever institution demonstrates that it meets expectations in all three areas of outreach, adapted services, and tracking of client progress. Its results show a significant positive impact on many of its clients’ lives. The institution has good performance and earns a minimum appropriate score in all three Pro-Poor Principles. It demonstrates its financial sustainability and strength, and sufficiently complies with the Universal Standards for Social Performance Management. An Achiever institution’s actions indicate quality pro-poor microfinance practice.

Pro Mujer Nicaragua was the first replication of the Bolivian ProMujer model. It was established in 1996 to provide credit and training to women. Due to the mountain areas and low population density, each of the Service Centers in Nicaragua receives more than 8 thousand clients and has a wide geographical coverage. Most of PMN's clients live in remote rural areas and Pro Mujer consultants travel long distances on motorcycles to reach them and offer them vital services that they would otherwise probably get not.

Find more on Pro Mujer Nicaragua here.

 

Follow us on Twitter and LinkedIn for updates and important news from the microfinance sector.

 

PM-Nicaragua TrueliftCertificate Apr-2018

16/04/2018
COOPAC Microfinanzas PRISMA has been awarded the Truelift Emerging Practitioner Milestone

MicroFinanza Rating announces that COOPAC Microfinanzas PRISMA is now recognized by Truelift as having arrived at the Emerging Practitioner Milestone.

An Emerging institution acts on its commitment to pro-poor microfinance by first completing the Indicators self-assessment tool. The institution learns that it performs reasonably well but has also identifies areas for improvement. From these areas, the institution seeks to enhance its practices for clients living in poverty and reach the next milestone on the pro-poor pathway. Through active involvement in the Community of Practice and by demonstrating some of the best practices in serving poor clients, the institution displays client-centric actions.

COOPAC Microfinanzas PRISMA is a Peruvian cooperative headquartered in Lima, Peru. The organization aims to provide their members with working capital, savings accounts, a variety of trainings and micro-insurance to sustainably impact their livelihoods.COOPAC Microfinanzas Prisma’s main sectors of impact are agriculture, commerce, services and production, with the majority of the borrowers being rural women.

Find more on COOPAC Microfinanzas PRISMA here.

 

Follow us on Twitter and LinkedIn for updates and important news from the microfinance sector.

 

Prisma TrueliftCertificate Apr-2018

16/04/2018
Fundación para el Desarrollo Integral Espoir has been awarded the Truelift Emerging Practitioner Milestone

MicroFinanza Rating announces that Fundación para el Desarrollo Integral Espoir is now recognized by Truelift as having arrived at the Emerging Practitioner Milestone.

An Emerging institution acts on its commitment to pro-poor microfinance by first completing the Indicators self-assessment tool. The institution learns that it performs reasonably well but has also identifies areas for improvement. From these areas, the institution seeks to enhance its practices for clients living in poverty and reach the next milestone on the pro-poor pathway. Through active involvement in the Community of Practice and by demonstrating some of the best practices in serving poor clients, the institution displays client-centric actions.

Fundación para el Desarrollo Integral Espoir in Ecuador started in 1992 as a program of Project HOPE and is now fully independent as a private non-profit organization (NGO). Espoir was one of the first programs globally to integrate village/communal banking with education, especially health education and now health services as well, in cooperation with local health service providers. While most of the credit is through communal banks, Espoir also offers individual loans, especially for agriculture.

Find more on Fundación para el Desarrollo Integral Espoir here.

 

Follow us on Twitter and LinkedIn for updates and important news from the microfinance sector.

 

ESPOIR TrueliftCertificate Apr-2018

16/04/2018
Fundenuse S.A has been awarded the Truelift Emerging Practitioner Milestone

MicroFinanza Rating announces that Fundenuse S.A is now recognized by Truelift as having arrived at the Emerging Practitioner Milestone.

An Emerging institution acts on its commitment to pro-poor microfinance by first completing the Indicators self-assessment tool. The institution learns that it performs reasonably well but has also identifies areas for improvement. From these areas, the institution seeks to enhance its practices for clients living in poverty and reach the next milestone on the pro-poor pathway. Through active involvement in the Community of Practice and by demonstrating some of the best practices in serving poor clients, the institution displays client-centric actions.

Fundenuse S.A is a non-bank financial institution (NBFI) in Nicaragua specializing in microfinance. Fundenuse started operations in 1993 as an NGO, and since 2012 as an NBFI. Fundenuse has branches throughout northern, central and western Nicaragua, mainly in rural areas. Its services are aimed at micro and small entrepreneurs not already served by other financial service providers. Fundenuse offers both solidarity group and individual loans, along with a range of appropriate insurance products plus well-designed and free financial education.

Find more on Fundenuse S.A here.

 

Follow us on Twitter and LinkedIn for updates and important news from the microfinance sector.

 

Fundenuse TrueliftCertificate Apr-2018

26/02/2018
Fundación Amanecer has been awarded the Truelift Achiever Milestone

MicroFinanza Rating announces that Fundación Amanecer is now recognized by Truelift as the Achiever Milestone.

An Achiever institution demonstrates that it meets expectations in all three areas of outreach, adapted services, and tracking of client progress. Its results show a significant positive impact on many of its clients’ lives. The institution has good performance and earns a minimum appropriate score in all three Pro-Poor Principles. It demonstrates its financial sustainability and strength, and sufficiently complies with the Universal Standards for Social Performance Management. An Achiever institution’s actions indicate quality pro-poor microfinance practice.

Fundación Amanecer was founded in 1994 by a group of oil companies that work in the Orinoquía region of Colombia. The organization’s mission is to contribute to increased human and economic productivity in the region by providing comprehensive training and promoting entrepreneurship. To that end the foundation provides microentrepreneurs with working capital loans, access to basic business education, and more specialized training in enterprise formation.

Find more on Fundación Amanecer here.

 

Follow us on Twitter and LinkedIn for updates and important news from the microfinance sector.

 

Amanecer TrueliftCertificate Feb-2018

04/10/2016
FUBODE obtiene exitosamente Certificación en la Protección del Cliente

MicroFinanza Rating hoy tiene el gusto de comunicar que FUBODE - Fundación Boliviana para el Desarollo – ha sido certificada en Protección al Cliente. FUBODE demostró con éxito su cumplimiento en todas las normas de los siete principios de Protección al Cliente.

FUBODE siempre ha luchado por la obtención de certificaciones sociales que evidencian su desempeño en las poblaciones más vulnerables de Bolivia. Un ejemplo del compromiso de FUBODE es la calificación de A-, que obtuvo en el Rating Social efectuado por MicroFinanza Rating en 2015.

Sesenta y cinco instituciones en el mundo, incluyendo a FUBODE en Bolivia, han sido certificadas desde el lanzamiento de la campaña, con un alcance global de más de 34 millones de clientes.

 

Para más información sobre FUBODE, por favor visite su sitio web.

MicroFinanza Rating hoy tiene el gusto de comunicar que FUBODE - Fundación Boliviana para el Desarollo – ha sido certificada en Protección al Cliente. FUBODE demostró con éxito su cumplimiento en todas las normas de los siete principios de Protección al Cliente.

FUBODE siempre ha luchado por la obtención de certificaciones sociales que evidencian su desempeño en las poblaciones más vulnerables de Bolivia. Un ejemplo del compromiso de FUBODE es la calificación de A-, que obtuvo en el Rating Social efectuado por MicroFinanza Rating en 2015.

Sesenta y cinco instituciones en el mundo, incluyendo a FUBODE en Bolivia, han sido certificadas desde el lanzamiento de la campaña, con un alcance global de más de 34 millones de clientes.

Para más información sobre FUBODE, por favor visite su sitio web.

30/09/2016
Opportunity International Colombia reconocida por su buena práctica de protección a los clientes

MicroFinanza Rating, certificadora de protección al clienteautorizada por la SMART Campaign, se complace en anunciar que Opportunity International (OI) Colombia harecibido la certificación de Protección al Cliente.

OI Colombia ha cumplido con todos los estándares necesarios para tratar adecuadamente a sus clientes y se suma a nuestra lista de organizaciones certificadas. OI Colombia es la tercera filial de Opportunity International, junto a ASKI Filipinas y Opportunity Bank Serbia, en ser reconocida por la Smart Campaign y MicroFinanza Rating.

La misión de OI Colombia es empoderar a las personas menos favorecidas y excluidas socialmente en Colombia, proveyéndoles acceso a servicios financieros y capacitándolas para que logren transformar su vida, la de susfamilias y sus comunidades.

Esta certificación consolida a MicroFinanza Rating como una certificadora líder y con buena reputación cuyo objetivo es fortalecer la capacidad de las IMFs para servir a clientes alrededor del mundo de una manera responsable.

Para más información sobre OI Colombia, visite su sitio web.

21/09/2016
XVI Foro Ecuatoriano De Microfinanzas 22-24 septiembre, Ecuador

MicroFinanza Rating participará en el XVI Foro Ecuatoriano de Microfinanzas organizado por la Red Financiera Rural (RFR) que se realizará en Manta del 22 al 24 de septiembre. El enfoque de la conferencia será: “Estrategias innovadoras en entornos cambiantes”. El evento tiene como objetivo proporcionar a las y los participantes, a través de espacios de reflexión, discusión y análisis, los argumentos, estrategias y herramientas que contribuyan a identificar cuáles son las nuevas tendencias y desafíos de las finanzas para el desarrollo en Ecuador. Para más información, visite el sitio web.

 

foro ecuadoriano

09/09/2016
MicroFinanza Rating en el road show de FEPCMAC, Perú

Michela Broseghini, Directora Senior y Líder de Productos Sociales de Latino América, y Enrique Blanco, Analista Senior de MicroFinanza Rating participarán hoy como panelistas en el road show de FEPCMAC (Federación Peruana de Cajas Municipales de Ahorro y Crédito).

La FEPCMAC es una organización no gubernamental de derecho público en Perú, que se ocupa de coordinar las actividades de todos sus miembros a nivel nacional, así como de representar al Sistema de Cajas Municipales de Ahorro y Crédito del país nacional e internacionalmente.

MicroFinanza Rating se complace en aceptar formar parte del evento, un esfuerzo importante para apoyar el fortalecimiento de las CMAC a través de líneas de financiamento de fuentes cooperantes y/o programas de asistencia técnica.

05/03/2015
INSIGHT: A new regulatory framework for microfinance in Bolivia

Along with the rapid growth and development of the microfinance sector in Bolivia, the regulatory framework has been changing rapidly.

MicroFinanza Rating is pleased to share the significant changes promoted by the new Law of Financial Services N. 393 of the 21st of August, 2013 and by other regulatory provisions in Bolivia, with the objective of analyzing its implications and possible consequences for the microfinance sector in the short and medium term.
Download the Insight (INSIGHT available in Spanish only)

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