Social Highlights Year 2013-2014-2015

 SOCIAL PERFORMANCE HIGHLIGHT FOR AUGUST 2015
SOCIAL GOALS
OUTREACH AMOUNT
TYPE OF CLIENTS NUMBER LOANS GRANTED/ SAVINGS DEPOSITED PERCENT TO TOTAL PORTFOLIO/DEPOSIT
Borrowers from urban 202 169,829 4.88%
Borrowers from semi-urban 645 585,277 16.83%
Borrowers from rural 3,867 2,723,236 78.29%
Borrowers below $300 Loan disbursed 1,565 200,948 5.78%
Women borrowers 3,460 2,404,754 69.14%
Group borrowers 1,160 127,690 3.67%
Unsecured borrowers 4 1,778 0.05%
Agriculture-loans 2,411 1,571,553 45.18%
SOCIAL PERFORMANCE HIGHLIGHT FOR AUGUST 2014
SOCIAL GOALS
OUTREACH AMOUNT
TYPE OF CLIENTS NUMBER LOANS GRANTED/ SAVINGS DEPOSITED PERCENT TO TOTAL PORTFOLIO/DEPOSIT
Borrowers from urban 380 296,522 6.06%
Borrowers from semi-urban 1,294 893,268 18.25%
Borrowers from rural 5,662 3,705,169 75.69%
Borrowers below $300 Loan disbursed 2,332 219,645 4.89%
Women borrowers 5,451 3,340,251 68.24%
Group borrowers 2,148 224,494 4.59%
Unsecured borrowers 1,499 98,822 2.02%
Agriculture-loans 3,759 2,394,687 48.92%
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 PERFORMANCE HIGHLIGHT LAST YEAR FOR DECEMBER 2013
SOCIAL GOALS
OUTREACH AMOUNT
TYPE OF CLIENTS NUMBER LOANS GRANTED/ SAVINGS DEPOSITED PERCENT TO TOTAL PORTFOLIO/DEPOSIT
Borrowers from urban 487 308,130 6.44%
Borrowers from semi-urban 1,713 871,387 18.21%
Borrowers from rural 6280 3,605,146 75.35%
Borrowers below $300 Loan disbursed 3,012 277,274 5.80%
Women borrowers 6,282 3,244,440 67.81%
Group borrowers 2,783 288,541 6.03%
Unsecured borrowers 1,879 130,200 2.72%
Agriculture-loans 4,309 2,380,814 49.76%
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 designed to receive and respond to the complaints 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

Share