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

Partner description:

Chamroeun (meaning “progress” in Khmer) is a microfinance institution with a focus on serving the very poor in Cambodia by providing adapted loans, savings and insurance services. They operate in 16 provinces across Cambodia.

Chamroeun demonstrates a strong commitment to social performance and impact, and their current shareholders are all socially motivated organizations.

A unique lending approach:

Chamroeun provides individual and group loans for working capital or investment. The majority of loans are for small businesses to allow them to startup or scale.

If a borrower has successfully repaid a number of individual or group loans, they can graduate to an entrepreneur loan that provides more capital for a longer repayment period.
 

Along with financial services, they provide a comprehensive range of non-financial services to their clients including business training, financial literacy, and social and environmental welfare. They also provide microinsurance through a partner and have developed the capability to receive electronic payments, which is an added convenience for clients.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Nov 23, 2016 Oct 12, 2005
Total Loans $65,175 $938,320,675
Amount of raised Inactive loans $0 $501,975
Number of raised Inactive loans 0 449
Amount of Paying Back Loans $64,875 $143,680,125
Number of Paying Back Loans 125 175,943
Amount of Ended Loans $300 $794,138,575
Number of Ended Loans 1 994,903
Delinquency Rate 0.00% 7.90%
Amount in Arrears $0 $7,433,246
Outstanding Portfolio $60,709 $94,132,449
Number of Loans Delinquent 0 19,274
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,137,050
Number of Ended Loans Defaulted 0 31,506
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,278,396
Refund Rate 0.00% 0.63%
Amount of Refunded Loans $0 $5,887,300
Number of Refunded Loans 0 5,924

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 88.89% 75.18%
Average Loan Size $517 $401
Average Individual Loan Size $517 $634
Average Group Loan Size $0 $1,772
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $2,600 $5,898
Average Loan Size / GDP per capita (PPP) 19.89% 6.80%
Average Time to Fund a Loan 3.33 days 6.93 days
Average Dollars Raised Per Day Per Loan $155.35 $57.86
  Average Loan Term 12.78 months 11.1 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 486,687
  Journaling Rate 0.00% 41.51%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.20

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A 30.00% PY 25.92% PY
  Profitability (return on assets) -1.2% 4.6% -0.29%
  Average Loan Size (% of per capita income) N/A 184.00% 17.68%

Country Fast Facts

Field Partner Staff

Phearun ATH
Raksa PHENG
Sophal Seng