Seilanithih | MFIs in Cambodia

Objectifs:

To contribute to improving the standard of living of the people with financial subtainability of Seilanithih Limited through providing financial service for rural community and micro-enterprises with appropriate interest rates

Contexte et principaux défis:

Seilanithih Limited is a licensed Micro Finance Institution (MFI) in Cambodia. Seilanithih Limited completed transformation following a merger in 1996 from 3 CARE Projects. Following the new Cambodia Microfinance regulation, Seilanithih became a private liability company named Seilanithih ... En savoir plus

Adresse:

3.#35, St. 360, Boeung Keng Kang I, Chamkarmorn

Phnom Penh

+855

Cambodia

Téléphone:

23 990 225

Fax:

(855)23 990 225

Email:

farid [at] seilanithih [dot] com [dot] kh

Site web:

www.seilanithih.com.kh

Principales sources de financement:

Grants

Loans

Savings

Shareholder Capital

Produits et Services:

Loans

Produits:

Loans and savings

Services Offerts:

Full-scale Financial Services

à la recherche de :

Equity

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Guarantees

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 1996

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Femmes	1
Clients living in rural areas	2
Clients living in urban areas	3
+ Development goals (ranked by importance)
Accès accru aux services financiers	1
Croissance des entreprises existantes	2
Réduction de la pauvreté	3
+ Poverty targets
Clients pauvres
Clients à faibles revenus
+ Gouvernance
Has trained members of its board on social performance management
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit for household needs/consumption
Prêts agricoles
+ Savings products offered
+ Compulsory insurance products required
+ Voluntary insurance products offered
+ Other financial products and services offered
+ Services non financiers offerts
+ 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:
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
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.
+ Coûts des services aux clients
Méthode de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Capacité d'attirer de nouveaux clients du marché cible
Inclusion des femmes
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
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
Grameen Progress out of Poverty Index (PPI)
Per capita household income

Partenariats

Current
Nom	Relation
CARE	Network Affiliation
CMA	Network Affiliation
Consorzio Etimos	Funding
Crisil	Rating
Incofin Fund	Funding
Kredits	Vendor
MicroCredit Enterprises	Funding
NBC	Regulation
Oikocredit	Funding
Planet Rating	Rating
RDB	Funding
SBFIC	Partner
The Rating Fund	Partner

Organisations liées

Current
Nom	Relation
Smart Campaign	Endorsement

MFI Report

Select i

Profil de Performance Sociale

Partenariats

Organisations liées

En Bref

Contacts

Mises à Jour des Données du MIX

Partagez ce profil

Global Partners