Author: Seng Youraden
AIT Library Call Number: AIT Thesis no.RD-07-03
Year: 2007
Academic Program: Regional and Rural Development Planning (RRDP)
Type: Thesis (M.Sc.) – Asian Institute of Technology, 2007
Examination Committee: Gopal B. Thapa (Chairperson); Soparth Pongquan, Kyoko Kusakabe (Examination Committee Members)
Abstract: In the early stage, microfinance had been more a social nature of its services, which had been operated alike the form of humanitarian agencies. However, the current focus is turning to sustain the institution by self-generating the incomes and providing the services. This was due to the shrinking funding resources supported by the donors and the ever increasing demands of the working poor. Thus, the research was mainly aimed at assessing the sustainability of three commercial microfinance institutions in providing the financial services to the rural people in Cambodia. Three main aspects, such as operational sustainability, financial sustainability, and clients’ and lenders’ opinions, were analyzed to identify the factor contributing to the sustainability thereby the recommendations were drawn to suggest for improvement of the MFIs. The research was conducted with the three commercial (licensed) microfinance institutions, namely Vision Fund Cambodia (VFC), Cambodian Entrepreneur Building (CEB) and Hattha Kaksekar Limited (HKL), which were selected the provincial operation in the Kampong Thom province, Cambodia. The primary data was employed a structured interview to collect the information from provincial and head office staffs of the MFIs. Also, case study interview was a tool to obtain opinions from the borrowers of each MFIs. The secondary data was mainly focused on financial reports from the provincial office, which supplemented by operational and credit policies and reports. The research was essentially a quantitative analysis of operational and financial sustainability ratio, which supported by qualitative analysis. The main findings of the research indicated that the licensed microfinance institutions were profit oriented organizations, which operated mostly on individual loan to the viable clients. Also, they have vulnerable and short term vision of achieving the sustainability and growth because most of their lending portfolio was depended on the international loan and saving was not extensively mobili
Scholarship Donor(s): SWEDEN (Sida)
Note: A thesis submitted in partial fulfillment of the requirements for the degree of Master of Science in Regional and Rural Development Planning
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