THANEAKEA PHUM (CAMBODIA) LTD.

Gross Loan Portfolio USD, 2010: 22.4 million

Number of active borrowers 2010: 87,186

Average loan balance per borrower USD, 2010: 256.8

Deposits USD, 2010: 98,010.2

Assets USD, 2010: 31.7 million

Number of depositors 2010: 3,879

Mission:

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 ... Read more

Background and Main Challenges:

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 ... Read more

Address:

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

Phnom Penh

Cambodia

Phone:

(855)-023-220641

Fax:

(855)-023-220642

Email:

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

Website:

www.tpc.com.kh

Main Funding Sources:

Loans

Shareholder Capital

Products and Services:

Loans

Products:

Loan Products and Savings

Services Provided:

Other

Looking for (Investment Types):

Loans in Local Currency

Capacity Building Grants

% Operations Comprised by MF:

91 - 100

Date established:

Jan 1 1994

FYE:

31-Dec

Current Legal Status:

NBFI

Regulated:

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

Partnerships

Current
Name	Relationship
ACLEDA	Funding
ALTERFIN	Funding
ASN-Novib Microkredietfonds	Funding
BlueOrchard	Funding
BWTP	Network Affiliation
Calvert Foundation	Funding
CAMFEBA	Network Affiliation
CMA	Network Affiliation
CRS	Network Affiliation
DWM	Funding
FAO-GTZ MicroBanking System	Vendor
FTB-KHM	Funding
Grameen Credit Agricole Microfinance Foundation	Funding
ICO	Funding
INCOFIN	Funding
KPMG-CAM	Audit
M-CRIL	Rating
MFTransparency	Network Affiliation
NBC	Regulation
Oikocredit	Funding
PlaNet Finance	Partner
PlaNIS	Funding
PwC - CAM	Audit
RDB	Funding
Rural Impulse Fund II	Funding
Smart Campaign	Network Affiliation
Symbiotics	Funding
The Rating Fund	Partner

Former
Name	Relationship
Dual Return Fund	Funding
Hivos-Triodos Fund	Funding

MFI Report