Partner Description:

Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

MAXIMA Mikroheranhvatho is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services.

By making credit available to marginalized groups -- woman-headed households, in particular -- MAXIMA serves clients who are unable to get loans through traditional commercial banks. With this service, MAXIMA’s clients are able to harness their natural skills and entrepreneurial spiritto start or grow their businesses.

User-added image

A MAXIMA client with a weaving business.

Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment. In general, loans empower people to build brighter futures not only for their families, but for their entire communities.

MAXIMA’s vision is to be a leading microfinance institution with the highest quality of customer service. Its mission is to offer microfinance services with emphasis on lending to the rural poor and low-income clients so they can improve their lives and realize their business goals. The organization has a dedicated team and aims to create value that satisfies all stakeholders socially and economically.


Images courtesy of MAXIMA.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva May 28, 2007 Oct 12, 2005
Total Loans $3,733,875 $605,131,875
Amount of raised Inactive loans $0 $550,950
Number of raised Inactive loans 0 463
Amount of Paying Back Loans $252,700 $119,988,900
Number of Paying Back Loans 296 129,496
Amount of Ended Loans $3,481,175 $484,592,025
Number of Ended Loans 4,972 612,495
Delinquency Rate 0.11% 4.07%
Amount in Arrears $176 $3,185,471
Outstanding Portfolio $162,298 $78,210,022
Number of loanDelinquent 2 13,785
Default Rate 0.00% 1.11%
Amount of Ended Loans Defaulted $142 $5,357,098
Amount of Ended Loans $3,481,175 $484,592,025
Number of Ended Loans Defaulted 2 16,819
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $0 $572,888
Refund Rate 0.26% 0.75%
Amount of Refunded Loans $9,725 $4,553,925
Number of Refunded Loans 13 5,085

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 72.45% 74.22%
Average Loan Size $693 $419
Average Individual Loan Size $711 $656
Average Group Loan Size $557 $1,830
Average number of borrowers per group 2.7 8
Average GDP per capita (PPP) in local country $2,600 $3,423
Average Loan Size / GDP per capita (PPP) 26.67% 12.23%
Average Time to Fund a Loan 4.42 days 5.7 days
Average Dollars Raised Per Day Per Loan $156.94 $73.45
  Average Loan Term 16.09 months 10.4 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 5,700 302,176
  Journaling Rate 99.57% 42.40%
  Average Number of Comments Per Journal 0.11 0.08
  Average Number of Recommendations Per Journal 5.32 1.83

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 27% PY 30.00% PY 33.28% PY
  Profitability (return on assets) 2% 4.6% -1.42%
  Average Loan Size (% of per capita income) 115.50% 184.00% 38.08%

Country Fast Facts

Field Partner Staff

Bunhak An
Sokket Kim
Rithy Ponnak Pa
sothea san
Len Si
Sive Chheng Sreng