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3. マイクロファイナンス実務の現場から ― Kuy Sengmoeurn (Samic Limited, Marketing Manager)

3. マイクロファイナンス実務の現場から ― Kuy Sengmoeurn (Samic Limited, Marketing Manager)

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2.Samic Mfi Presentation 2.Samic Mfi Presentation Presentation Transcript

  • SAMIC‐Limited
  • Cambodia at Glance  As of December 2008 • GEOGRAPHY • ‐AREA: 181,035 KM2 • ‐LOCATION: BORDERED BY  THAILAND, LAOS, AND  VIETNAM • ‐NUMBER OF PROVINCE: 24 • ‐CAPITAL CITY: PHNOM PENH • ‐WEATHER: MONSOON (TROPICAL WET AND  DRY) • POPULATION • ‐ POPULATION: 13.4 MILLION • ‐ FEMALE: 51.5% • ‐ POPULATION LIVE IN RURAL AREA: 80.5% ‐ KHMER (90%), AND SOME CHINESE,  • VIETNAMESE, CHAMS, BURMESE, 
  • Cambodia at Glance • ECONOMY • ‐ EXCHANGE RATE:  KHR4,200/USD ‐ GDP: USD 739 (2008) ‐ GDP GROW: 6% (2008) ‐ INFLATION: 7.5% (2008) • ‐ CHIEF PRODUCTS: RICE,  RUBBER, GARMENT,  WOOD, CORN, FISH
  • History & Revolution of MFI sector in  Cambodia 1993-2000 2000-2008  Started in 1993  No law & regulation  Run as an NGOs (not financially   Got technical and credit  sustainable) support from ADB and FDA  80% of loan were to women in   Microfinance reform and the  group lending law were established  Interest charged was high  NBC addressed the issue of  interest charged on micro   lack of skills and expertise to  loans assess loan  NGO transformed to licensed   No proper loan monitoring MFI having self‐ financial  sustainability  Lack management system  MFI started building   Results in high loan loss managerial and credit skill  Attract more investors
  • NATIONAL BANK OF  CAMBODIA MFIs 21 NBC  24 Commercial  6 Specialized  Branches Banks Banks 20 Licensed 1  3 Foreign  21 Locally  State owned Branch Banks incorporated 5 Privately  NGOs owned Money  Changer 25 Registered Registered 3.987 2 Representative  Unregistered  Offices around 60 NGOs
  • As of Sept 2009 No MFIs Province Loan  O/S Clients Deposits Depositors 1 ACLEDA 24 172,204,356 219,840 653,878,130 572,118 2 Prasac 17 56,038,640 84,974 158,657 2,002 3 Amret 14 52,837,019 227,614 1,682,753 2,436 4 Sathapana 16 35,721,066 35,589 2,477,610 21,866 5 HKL 11 27,740,979 40,917 1,416,572 47,289 6 AMK 24 24,970,845 210,959 154,392 8,021 7 CREDIT 10 20,044,803 37,606 578,086 2,568 8 VFC 14 19,757,197 94,575 91,994 67 9 TPC 16 16,610,570 90,266 112,855 4,070 10 SILANITHIH 7 5,768,003 9,065 384,741 9,375 11 Samic 7 4,592,790 10,353 28,042 4,527 12 IPR 6 3,823,681 4,122 0 0 13 EAP 6 1,749,747 202 0 0 14 MAXIMA 2 1,437,982 2,281 0 0 15 FUDF 4 1,437,500 2,545 0 0 16 CBIRD 5 1,232,792 2,199 117,347 2,402 17 GCMF 6 1,083,571 761 0 0 18 First Finance 2 272,457 27 0 0 19 FF 1 199,473 62 41,667 62 20 TFMF 2 92,902 277 0 0 ‐7‐ TOTAL 448,171,198 1,080,093 661,260,972 696,797
  • Vision and Mission
  • Background - Currently, our new name is SAMIC - CHC was created in March 1994 for responding to the public  health problems in Cambodia. - In October 1994, CHC began implementing   rural credit  program as part of an approach to reduce TB prevalence by  reducing poverty. - 8th July 2005 got license as a limited company from MoC - 14th September 2005 got  MFI license from NBC  - 18th September 2008 got permanent license from NBC
  • CHC Governance  Structure
  • Source of Funds • OXFAM AMERICA : GRANTOR (SINCE 94‐04) • CRS : LENDER (FROM 2002) • RDB : LENDER (FROM 2005)  • OIKOCREDIT : LENDER (FROM 2006) • ETIMOS : LENDER (FROM 2006) • MICROCREDIT ENTERPRISE : LENDER (FROM 2008) • NORFUND : LENDER (FROM 2008) • DWM : LENDER (FROM 2008) • BLUEORCHARD : LENDER (FROM 2008) • PLANIS : LENDER (FROM MAR 2009)
  • Position Dec‐05 Dec‐06 Dec‐07 Dec‐08 Sept‐09 Phnom  Penh 9 15 23 31 36 Kampot 15 25 28 34 35 Kaep ‐ ‐ ‐ 8 8 Sihanouk Ville ‐ 7 11 21 22 Kandal ‐ ‐ 6 8 8 Siem Reap ‐ ‐ ‐ 10 10 Total 24 47 68 112 119 ‐12‐
  • Field staffs include CREDIT AGENTS, CREDIT SUPERVISORS, AND COLLECTORS only. ‐13‐
  • ‐14‐
  • Loan Products • VILLAGE BANK LOAN: 100,000 – 1,000,000 RIELS 25 USD ‐ 250 USD   • GROUP SOLIDARITY LOAN: 400,000 – 2,000,000 RIELS 100 USD ‐ 500 USD  • INDIVIDUAL LOAN: 1,000,000 – 4,000,000 RIELS    250 USD ‐ 10,000 USD   • EMERGENCY LOAN: 500,000 – 4,000,000 RIELS    125 USD ‐ 5,000 USD
  • Village Bank Loan • GROUP: 2‐10 GROUPS ( 3‐7 MEMBERS PER GROUP) • ELECT VILLAGE BANK OFFICERS: CHIEF, SECRETARY , &  TREASURER • BENEFICIARY TRAINING: 45 MINUTES ON LENDING  CONDITIONS,  VB RULES, SAVING, MEADA PROGRAM,  FAMILY PLANNING, ETC. • MONTHLY MEETING‐ ALL VBS MEMBERS & TO REFRESH  THEM THE LENDING CONDITIONS AND CREDIT WITH  EDUCATION PROGRAM • LOAN DURATION: 4‐12 MONTHS (BALLOON/DECLINING  PAYMENT) • INTEREST RATE: 3.20%/MONTH • VOLUNTARY SAVINGS: MINIMUM OF 1,000 RIELS 
  • Group Solidarity Loan • TERMS AND CONDITIONS - GROUP GUARANTEE/GROUP PRESSURE (OPTIONAL) - FORM A GROUP FROM 2 TO 7 MEMBERS - COLLATERAL (IS PREFERRED) - DURATION: FROM 4 - 12 MONTHS - INTEREST RATE : 3%/ MONTH • REPAYMENT METHOD : - DECLINING PAYMENT & BALLOON PAYMENT METHOD 17 17
  • Individual Loan cont. • TERMS AND CONDITIONS ‐ GUARANTOR ‐ COLLATERAL ‐ DURATION:  FROM 4 ‐ 24 MONTHS ‐ INTEREST RATE : 2 ‐ 3%/ MONTH • REPAYMENT METHOD : ‐ DECLINING PAYMENT  & BALLOON PAYMENT METHOD 18
  • OPERATION REPORTS ACTIVITIES DEC 05 DEC 06 DEC‐07 DEC‐08 SEP‐09 Net Loan O/S $506,602 $1,091,495 $1,774,02 $4,775,209 $4,592,79 3 0 Clients 3,370 4,452 6,294 10,340 10,353 ‐ Individual 1,089 1,689 2,267 3,640 3,956 ‐ Group 2,281 2,763 4,027 6,700 6,397 Operation Area ‐ Cities 1 3 3 3 1 ‐ Provinces 2 1 2 3 5 ‐ Districts 14 21 20 27 28 ‐ Communes 59 88 116 161 175 ‐ Villages 128 216 304 512 594 19
  • 20 Samic Office Operation area Non-operation area
  • L/O BREAKDOWN BY TYPES OF LOAN 21
  • L/O BREAKDOWN BY TYPES OF  CURRENCIES
  • ‐23‐
  • SIEM REAP PROVINCE • Population: 456,461 • No of Households: 180,743 • Urban: 23.77% • No of Districts:  12 • Chief of Products: Tourist  industries, Rice mills, and  Fisheries
  • SIEM REAP BRANCH • Operational Date: Feb‐08 • Operational Outreach: 3  districts, 18 communes, 88  villages • No of Staffs: 10
  • BRANCH STRUCTURE
  • Trend of Net Loan Outstanding
  • Trend of Clients
  • Trend of PAR Ratio
  • Souvenir and Decoration Heng Sunpov, Female, Siem Reap province, borrow $1,000 to expand her  businesses. The repayment method is declining within 12 months.
  • Ice Grinning and Gas distribution  Chea Sinath, Female, Siem Reap province, borrow 2,000,000 KHR  (equivalent to 500 USD) to fulfill her business cash flow and expansion.  The repayment method is declining within 12 months.
  • Khmer Cheese and other kinds of foods Eath Sarem, Female, Siem Reap province, borrow $4,000 to buy more  fishes to supply the demands at the few provinces beside Siem Reap. The  repayment method is declining within 12 months.
  • Motor Repairing and Spare Part change Mith Kakvey, Male, Siem Reap province, borrow $1,500 to reside motor  spare parts more. The repayment method is declining within 12 months.
  • Raw material for construction supplies Krud Lab, Female, Siem Reap province, borrow $5,000 to reside more  materials to supply the huge demand. The repayment method is  declining within 18 months.
  • All Plastic Supplies are available here Beng Ravy, female, Siem Reap province, borrow $8,000 to import more  plastic and other products. It is her 2nd cycle and this time, she decides to  repay as declining method.
  • Sculpture Khun Savin, Female, Siem Reap province, borrow $1,000 to buy raw materials for their sculptural businesses and start a new business‐ grocery selling. The repayment method is declining within 12 months.
  • Thanks WWW.SAMIC.COM. KH