1. Business Plan for MIO Credit Operator
By: Sokun Chan Dara
Y: 2015-2019
Private and confidential
“FOR STARTING A MICROFINANCE INSTITUTION IN Cambodia”
Half Formula as MCOs
May , 2015
Table of Contents
1. INTRODUCTION AND BACKGROUND .............................................................................1
1.1. Executive Summary ...........................................................................................................1
1.2. Mission and Goals ..............................................................................................................1
1.3. Macro-Economic Situations in Cambodia ..........................................................................2
2. MARKET AND CLIENTS .........................................................................................................4
2.1. Market .................................................................................................................................4
2.2. Microeconomic Background ..............................................................................................4
2.3. Clients .................................................................................................................................5
3. Business Environment Analysis ..................................................................................................7
3.1. Competitors ........................................................................................................................7
3.2. Opportunities and Threats ..................................................................................................8
4. CORROBORATION AND PARTNERSHIP .............................................................................9
4.1. Global Network ..................................................................................................................9
4.2. Cooperating Partnerships ....................................................................................................9
4.3. Regulatory Policies ...........................................................................................................9
4.4. Transformation into a Microfinance Company (MFI) ....................................................10
5. INSTITUTIONAL ASSESSMENT .........................................................................................10
5.1. Credit Policy......................................................................................................................11
5.2 Unsecure Loan / None Collateral ......................................................................................11
5.3 Secure Loan with Collateral...............................................................................................12
5.4 Interest Rate.......................................................................................................................12
6. RETURNING OF LOAN REPAYMENT .................................................................................13
6.1 Re-Disbursement Loan.......................................................................................................13
6.2 Penalty & Late Re-payment...............................................................................................13
6.3 Customer Evaluation.................................................................................................................14
6.4 Risk of Loan..............................................................................................................................17
7. CREDIT AND SAVINGS PROGRAM.....................................................................................18
7.1. MIO’s Marketing Channel................................................................................................19
7.2. Board and Management...........................................................................................................21
7.3. Institutional Resources and Capacity.......................................................................................23
7.4. Risk Management and Controlling..........................................................................................27
7.5. Financing Strategy ..................................................................................................................28
7.6 Credit Policy Plan of MIO........................................................................................................29
8. FINANCIAL PROJECTIONS..........................................................................................................31
9. Job Descriptions................................................................................................................................33