Small Enterprise Development (SED)

2. TOPICS
Company Profile
Company Challenges
Needed Supports
Past Experience of Funding and
Supports
Achievements
1.
2.
3.
4.
5.

3. COMPANY
PROFILE
1.

4. SMALL
ENTERPRISE
DEVELOPMENT
CO., LTD.
Vision Core Values
"To alleviate poverty of low- income
families in Thailand
and empower women through
sustainable lending program"
Transparency
Accountability
Quality and improvement
Cost-effectiveness
Empowerment
Our Vision & Core Values

5. SED HISTORY

6. BOARD OF
DIRECTORS

7. SENEE BUAKHEAW
Member of BOD
EXECUTIVE
TEAM
KOWIT KULSUWAN
Member of BOD
CHATCHAVAL ROMYEN
General Manager
THANAPORN RUANGSIRI
Assistant Manager,
Business and Loan
Development Division
ITTHIRIT SUWANNAKAM
Assistant Manager,
Academic and Funder
Relations Division
SUDARAT KOISAWAT
Assistant Manager,
Administration Division
KORNWIPA THONGKLIANG
Senior Accountant

8. SED Foundation
55%
Local NGOs
30%
Business Sector
9%
Others
6%
Shareholder Structure

9. No Loan Products
Loan Size
(THB)
Loan Term
(Month)
1 Village Bank Loan 10,000-15,000 6
2 Business Loan 1&2 20,000-30,000 12-36
3 Informal Debt Redemption Loan (Suspended)
Depending on
collateral value
Not more than 60
months
4 Individual Loan for Women Entrepreneurs (KIVA) 20,000-60,000 12-36
5 Pico Loan 1&2 Not over 50,000 12-36
6
Loan for Entrepreneurs Living along Borders
(Lendwithcare)
20,000-40,000 12-36
7 Silk Thread Provision
Loan Products

10. No Loan Products Portfolio % # of Borrowers
1 Village Bank Loan 86,538,688 66.7 10,169
2 Business Loan 1&2 13,506,325 10.4 451
3 Informal Debt Redemption Loan 788,472 0.6 11
4 Individual Loan for Women Entrepreneurs (KIVA) 13,447,466 10.4 443
5 Pico Loan 1&2 12,036,704 9.3 676
6
Loan for Entrepreneurs Living along Borders
(Lendwithcare)
3,389,760 2.6 96
7 Silk Thread Provision 123,700 0.1 8
Total 129,831,115 100.0 11,854
Loan Portfolio as of 30 June 2022

11. Loan Product Proportion
Village Bank Loan
66.6%
Business Loan 1&2
10.4%
Kiva Loan
10.4%
Pico Loan 1&2
9.3%
LWC Loan
2.6%
IDR Loan
0.6%

12. Implementation Areas

13. 2. COMPANY
CHALLENGES

14. COMPANY
CHALLENGES
Applying online technologies to
reduce operating cost (Operating
& Financial cost = 11% and Loan
Yield = 16%)
Applying financial technology to
support loan approval process

15. COMPANY
CHALLENGES
Manage financial cost
effectively (3-5 %/year)
Portfolio quality control

16. 3. NEEDED
SUPPORTS
Sources of fund
Financial technology
Financial adviser
Social enterprise
networks in Thailand
and abroad

17. 4. Past Experience of
Funding and Support
Key Funders and Partners
Long-term Loan
Capacity Building -
Training, Exposure
trip, ect.
Village Bank Loan
Online
Crowdfunding
Fundraising
Platform
Credit Line: 600,000
USD
Online
Crowdfunding
Fundraising Platform

18. 10,000+
100,000+
100,000+
1 BILLION+
Borrowers
# of
Accumulated
Loans
Beneficiaries
Value of
Disbursed Loans
5. achievements & Impact
SDGs

19. 84%
84% of Women
Entrepreneurs in a rural
area access micro-loans
to improve their business
and the living standards
Impact

20. Impact by
Sectors
Agriculture -- Rice farming, cattle raising,
fishery, poultry, organic vegetable
growing, mushroom farming, etc.
Trade/Commerce -- Silk products sale,
fruit stall, grocery, restaurant, soft drinks
bar, silver products, government lottery
seller, sculptures, souvenir, etc.
Service -- Beaty salon, barber, garage,
car care, etc.
Others
.
Agriculture
45%
Trade/Commerce
40%
Service
10%
Others
5%

21. Case Study: These entrepreneurs brought the loans to buy
silk thread, dye color, and loom for weaving silk cloth

22. Image gallery
from our work

23. Image gallery
from our work