Improved socio-economic services for a more social microfinance

1. Improvedsocio-economic services for a more social microfinance

2. CHAMROEUN Microfinance Institution “Chamroeun” means Progress or Development in Khmer language

3. Chamroeun Background • 2006, Chamroeun was started by Entrepreneurs du Monde as an NGO programwith a focus on serving the very poor in Phnom Penh, by providing adapted loans, savings, and microinsurance services. • 2009, as regulation requirement, Chamroeun has transformed its status to private liability company and obtained the certificate of registration asCredit Operatorfrom National Bank of Cambodia. • 2011, Chamroeun successfully achieved all the requirements to become aLicensed Microfinance Institutiongranted by the National Bank of Cambodia in August 2011.

4. Organizational Structure

5. Vision, Mission, and Core Values Vision “A leading Cambodian social microfinance institution working to achieve positive and lasting changes in the livelihoods of economically active poor families in a socially responsible manner” Mission “To improve the livelihoods, skills, and self-confidence of poor families in Cambodia by providing them a wide range of responsible microfinance and complementary socio-economic services” Core Values Integrity, quality of services, transparency, fair practices, confidentiality, and non-discrimination

6. Targeted Population • Chamroeun’s primary objective is to have a strong positive impact on the living conditions of the poor households in Cambodia particularly micro entrepreneurs. • Over 85% of our partners/clients, beneficiaries, are women such as small market stallholders, ambulant vendors, and other small scale activities.

7. Operational Map

8. Social Performance SPI Benchmark • Comparison to Peers* • * Data obtained from Cerise July 15th, 2013

9. What Makes us Different • Social performance is reflected in the definition of our target population, the design of our products and services, and the choice of our business model; • Maximization social impact: no dividend distribution, decrease in product pricing; • Social-driven governance: social-oriented BoD, Board SPM Committee; • Enable environment for vulnerable and poorest of the poor to access to financial services: small loan size adapted to business and household characteristics; • A wide range of non-financial services;

10. What Makes us Different • Focus on environmental protection; • Profit sharing back to the partner through Chamroeun Foundation: • Active participation with social-driven affiliates: • Regular reflection against social performance measurement: SPI, Rating, USSPM, PAT; • Competitive benefits with stimulating and respectful working environment;

11. Socio-economic services WE ARE OFFERING • Financial Literacy and Business Training • Social Training • Skill Training • Business Counseling • Social Counseling • Referral

12. Financial Literacy and Business training

13. SKILL training • Cooking • Cake Making Other socio-economic services • Some are pending • Some are within refinement process

14. Other socio-economic services As of September 30th, 2013 75,731 • Number of members 53,792 • Number of active borrowers 6,436 • Number of participants in training sessions in 2013 8 • Number of participants per training (estimate) 804 • Number of training sessions delivered in 2013 3,197 • Number of participants in other SES in 2013

15. Other socio-economic services On September 30th, 2013 3,197 • Number of participants in other SES in 2013 • Number of SES Officers (trainers, social workers...) 12 140 • Number of Credit Officers 73.1% • Partner Loyalty Rate • Portfolio At Risk (PAR) 30 days 0.18% • Gross Outstanding Portfolio (in US$) 6.60 M