Social Highlights

SOCIAL PERFORMANCE HIGHLIGHT FOR DECEMBER 2016
SOCIAL GOALS
OUTREACH AMOUNT
TYPE OF CLIENTS NUMBER LOANS GRANTED/ SAVINGS DEPOSITED PERCENT TO TOTAL PORTFOLIO/DEPOSIT
Borrowers from urban 181 218,223 5.08%
Borrowers from semi-urban 530 679,752 15.83%
Borrowers from rural 3,487 3,395,335 79.08%
Borrowers below $300 Loan disbursed 593 77,110 1.80%
Women borrowers 3,148 3,102,142 72.26%
Group borrowers 586 66,490 1.55%
Unsecured borrowers 9 14,504 0.34%
Agriculture-loans 1,821 1,484,383 34.57%
SOCIAL PERFORMANCE TOOL AND MECHANISMS
A.Poverty Targeting and Monitoring
Poverty Line definition  Adopted the poverty line of world bank
Poverty assessment/
measurement
- On the process of mainstreaming Progress out of Poverty Index (PPI)
Poverty tracking - On the process of mainstreaming Progress out of Poverty Index (PPI)
Social performance reporting  SP report prepared annually
B.Customer Care and Product Enhancement
Transparent pricing - Interest rate and related charges included in the   loan documents
– Provide written documents to every client related to loan and interest and interest charges as well as separate principle and interest payment schedule; provide one set loan document to every client during disbursement.
– Member of MF Transparency
– Endorsed to Smart Campaign
– Submitting data to the MIX Market
– Submitting data to Cambodia Microfinance    Association (CMA)
– Submitting data to Credit Bureau of Cambodia (CBC)
Client satisfaction study Annual conduct of client satisfaction study
Client feedback system - Branch-level staff designaed to receive and respond to the complints made by clients.
– Client complaint box in all branches
– Dedicated telephone to accept client compliant
Market research for product development Annual conduct of research on product development
C. Non-Financial Services 
Financial literacy program Conduct after disbursement.
D. Personnel Policies 
Employees satisfaction study Annual conduct of staff satisfaction study
Other policies Maternity/ Paternity benefit, health and accident insurance, two bonuses working uniform, pension fund and all government approved holidays are provided on top of full range of benefits under the labor laws of Cambodia as started in the Human Resource Manual

Prepared with technical assistance from PlaNet Finance, funded by European Union and Agence Francaise Development

Social Hightlights Years 2013,2014,2015

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