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 $4,023,225 $1,493,547,200
Amount of raised Inactive loans $0 $381,975
Number of raised Inactive loans 0 234
Amount of Paying Back Loans $1,510,700 $152,683,375
Number of Paying Back Loans 1,817 185,455
Amount of Ended Loans $2,512,525 $1,340,481,850
Number of Ended Loans 3,755 1,758,684
Delinquency Rate 1.12% 21.01%
Amount in Arrears $11,453 $20,265,845
Outstanding Portfolio $938,706 $96,436,598
Number of Loans Delinquent 57 70,450
Default Rate 0.07% 1.73%
Amount of Ended Loans Defaulted $1,795 $23,256,282
Number of Ended Loans Defaulted 5 57,823
Currency Exchange Loss Rate 0.05% 0.40%
Amount of Currency Exchange Loss $4,380 $6,269,191
Refund Rate 0.02% 0.62%
Amount of Refunded Loans $625 $9,328,875
Number of Refunded Loans 1 8,660

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 87.85% 76.91%
Average Loan Size $722 $393
Average Individual Loan Size $722 $606
Average Group Loan Size $0 $1,777
Average number of borrowers per group 0 7.9
Average GDP per capita (PPP) in local country $2,600 $5,713
Average Loan Size / GDP per capita (PPP) 27.77% 6.88%
Average Time to Fund a Loan 13.82 days 7.79 days
Average Dollars Raised Per Day Per Loan $52.26 $50.48
  Average Loan Term 15.47 months 11.36 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2,398 931,263
  Journaling Rate 67.92% 43.19%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.69

Borrowing Cost Comparison (based on 2017 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 41% PY 30.00% PY 26.46% PY
  Profitability (return on assets) 5.5% 4.6% -0.69%
  Average Loan Size (% of per capita income) N/A 184.00% 12.07%

Country Fast Facts

Field Partner Staff

Phearun ATH
Sothida MENG
Yannick MILEV
Sophal Seng