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ANNUAL REPORTS
Annual Report 2017
FACEBOOK
SOCIAL HIGHLIGHT AS OF DECEMBER 2016
SOCIAL GOALS
 
OUTREACH                  AMOUNT  
TYPES OF CLIENTS NUMBER LOAN PORTFOLIO IN KHMER RIEL PERCENT TO TOTAL PORTFOLIO
Borrowers from rural areas 198,242 816,239,953,991 92%
Borrowers involved in agricultural activities 125,219 461,111,965,428 52%
Borrowers below 150% National Poverty
Line (new clients) or living below KHR
3,704.83 per day based on 2012 CPI

25,392

-

29%
Women borrowers 169,781 661,570,838,075 81.47%
 
SOCIAL PERFORMANCE TOOLS AND MECHANISMS
 
 A. Poverty Targeting and Monitoring
Poverty Line definition In LOLC’s Progress Out of Poverty Index (PPI), we define as clients who are in level of Very poor, Poor, low-income, and non-poor
Poverty assessment/ measurement Progress Out of  Poverty Index (PPI) used to assess new client’s poverty level
Poverty tracking A randomized sample size is selected to monitor its progress of poverty over the years
Social performance reporting Once per annum
 B. Customer Care and Product Enhancement
Transparent pricing • Set up Productions Board at all branches,
• Disclosure of interest rate in the website
• Participate in the Mix Market and Microfinance Transparency
• Printing of detail information of loan facility and attach with repayment schedule
Client satisfaction study Twice-a-year conduct
Client feedback system • Comments box set-up at all branches
• A hotline phone number is centralize at HO and strict confidential with action for compliant
Market research for product development Before new products are developed, market research is conducted
Number of credit bureau checks 100% of LOLC’s client since June 2012.
Code of ethics for staff All staff are abide to read, agree, and sign the code of conduct
 C. Non-Financial Services
Social responsibility activities All branches has to arrange community events such as blood donation, planting tree, road improvement etc.
Financial literacy program Client Financial Literacy Program—Learning for a Better Life
Linkage with other development organization USAID-DCA, HARVEST, Good Return Australia, Oikocredit, Habitat for Humanity International
 D. Personnel Policies
Employees satisfaction survey Annual conducted by the HR department
Personnel policy & procedure manual Reviewed and approved by BoD. Board Remuneration Committee holds meeting quarterly
Other policies Whistle Blowing, Conflict of interest, National Social Security Fund, Group Personnel Accident Insurance, health benefit
(* percentage of LOLC’s client below poverty line)
Head Office
#666B, Street 271, Kbal Tumnub Muoy Village, Sangkat Boeng Tumpun 2, Khan Mean Chey, Phnom Penh, Cambodia
Tel: (+855) 23 991 991
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