ANNUAL AND SUSTAINABILITY REPORT 2015

Our LeadershipG4-6

Our
Leadership
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We celebrate 25 years as the leading entrepreneurial group that works for financial inclusion at the bottom of the pyramid. We have presence in Mexico, Peru and Guatemala and focus on the generation of shared value. The three types of value we aim to generate are:

Social

We offer inclusion opportunities to the largest number of people in the shortest time possible, and foster the development of the communities we operate in

Human

We trust people and their willingness to grow, self-realize and improve

Economic

We build commercial innovative, efficient and profitable models

We celebrate 25 years as the leading entrepreneurial group that works for financial inclusion at the bottom of the pyramid. We have presence in Mexico, Peru and Guatemala and focus on the generation of shared value. The three types of value we aim to generate are:

Social

We offer inclusion opportunities to the largest number of people in the shortest time possible, and foster the development of the communities we operate in

Human

We trust people and their willingness to grow, self-realize and improve

Economic

We build commercial innovative, efficient and profitable models

Corporate structureG4-17

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Compartamos

t is the specialized entity on financial solutions for people at the bottom of the pyramid who require short-term financing for working capital and/ or business investment. With a client-friendly service, it offers credit, insurance, savings and means of payment to its clients in Mexico, Peru and Guatemala, enabling their development and a better quality of life.

compartamos banco

It is the leading institution in Latin America specialized in granting working capital credits to Mexican entrepreneurs and micro-businessmen at the bottom of the pyramid.

It provides financing for productive activities and offers credits for housing improvement, life insurance and savings products.

Main products:
  • Crédito Mujer
  • Crédito Adicional
  • Crédito Crece y Mejora
  • Crédito Individual
  • Crédito Comerciante
  • Mis Ahorros Compartamos
  • Seguro Mujer
  • Seguro Comerciante
  • Seguro Individual

compartamos financiera

It is the Peruvian financial institution committed to financial inclusion that grants credits and provides consultancy to small businesses, attending their requirements for working capital, investment and consumption with individual and group credits. In addition, it provides savings and insurance services as a complementary offer to its clients.

Main products:
  • Crear Pyme
  • Crear Fácil
  • Crear Fijo
  • Crear Warmi
  • Line of Credit
  • Crear Cash
  • Crear Construye
  • Crédito Súper Mujer
  • Crear Efectivo
  • Fixed-term deposits
  • Savings accounts
  • Ahorro Súper Mujer
  • Seguro Grupal
  • Seguro Individual

compartamos s.a.

In Guatemala, it is the institution that offers working capital credits and life insurance to businesswomen.

Product:
  • Crédito Mujer
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Aterna*

It is the insurance agency specialized in prevention services for the bottom of the pyramid that designs and operates products and services through its partners in Mexico and the rest of Latin America.

*In partnership with
Main products:
  • Life insurance
  • Health insurance
  • Liability insurance

Yastás

It is the banking correspondent administrator that provides convenient access to financial operations, service payments and cell phones airtime to people at the bottom of the pyramid where banking infrastructure is limited or non-existent.

Main products:
  • Water service payment
  • Multi-level payment
  • Telephone service payment
  • Electricity payment
  • Cable/satellite TV service payment
  • Cell phone airtime
  • Financial operations







Intermex

It is the payer of family remittances in Mexico; leader in providing a convenient, reliable and secure service. Its operation is linked to remittance companies in the United States to offer an efficient service to its clients.

Main products:
  • Payment of international remittances
  • Payment of national remittances between branches
  • Cell phone airtime
  • National and international courier and parcel services
  • Currency exchange*
*Operation through Compartamos Banco, at branches that have Intermex branding.

Fundación Gentera

It is the non-profit organization that guides the social responsibility efforts of Gentera and its companies. Its main objective is social inclusion with education as the main driver of social value generation.

273,750 BENEFICIARIES IN 2015
through the Social Responsibility Fund and our Foundation