THANEAKEA PHUM (CAMBODIA) LTD.

Misión:

Thaneakea Phum is a microfinance institution with a social vision and a business orientation that provides poor rural women with the economic opportunities to transform the quality of their lives and their communities through the provision of effective and sustainable client empowering ... Leer más

Antecedentes y principales retos:

TPC was launched in 1994 as part of the Small Enterprise Development program of Catholic Relief Services (CRS) in Cambodia
In 2002, CRS/TPC officially incorporated to become Thaneakea Phum (Cambodia) Ltd. - a limited liability company
In 2003, TPC received its licensed from the ... Leer más

Dirección:

House #94 Street 360 Quarter Boeung Keng Kang III District Chamcamorn

Phnom Penh

Cambodia

Teléfono:

(855)-023-220641

Fax:

(855)-023-220642

Correo electrónico:

tpcho [at] tpc [dot] com [dot] kh

Website:

www.tpc.com.kh

Principales fuentes de financiamiento:

Loans

Shareholder Capital

Productos y servicios:

Loans

Productos:

Loan Products and Savings

Servicios proporcionados:

Other

Buscar (Tipos de Inversión):

Loans in Local Currency

Capacity Building Grants

% Operaciones que incluyen MF:

91 - 100

Fecha en que se estableció:

Jan 1 1994

Fin de año fiscal:

31-Dec

Current Legal Status:

NBFI

Regulada:

yes

Social Performance Profile


+ Mission specifics
+ Target markets (ranked by importance)
+ Development goals (ranked by importance)
+ Poverty targets
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
Loans for agriculture
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
+ Social responsibility to clients
+ Client protection principles in use
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Cost of services to clients
Declining balance interest method
+ Social responsibility to staff
+ Human resources
Protection at work (safety, anti-harassment)
+ Basis of staff incentives related to social performance
Ability to attract new clients from target market
Outreach to remote/rural communities
Quality of interaction with clients based on client feedback mechanisms
Quality of social data collected
Client retention/drop-out rate
Portfolio quality
+ Social responsibility to the environment
This institution raises clients' awareness about environmental impacts
This institution trains/educates clients regarding environmental improvements
This institution identifies enterprises with environmental risk
+ Poverty measurement tools in use

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MFI Report