Finance Cambodia's Acleda: From Microfinance Research Proposal

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This released the ACLEDA Bank from its dependency upon the UN and others providing aid. The ACLEDA Bank linked all of its branches resulting in increased convenience for customers.

III. SERVICES OFFERED & FINANCIAL RESULTS

ACLEDA Bank offers the following loan products: (1) Microbusiness or group loan up to below U.S.$380; (2) Small business loan; and (3) Medium size business/small-scale industry loan. (Channy, 2003, p. 4) Other products and services include: (1) Savings; (2) Fixed Deposit; (3) Current Deposit; (4) Local fund transfer; (5) Cash Management service; and (6) in-house exchange. (Channy, 2003, p.5) Channy (2003) states that ACLEDA targets the lower segment of the market and provides both individual and group loans and specifically stated is: "Experience has shown that providing access to financial services to people raises income and creates employment, allows people to improve their liquidity management and increases the efficiency of the use of available capital.

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" (p. 14) it is related in one report that ACLEDA made a 2004 net profit of U.S.$2 million. As of December 13, 2004 the following financial results are stated:

Loan Portfolio - U.S.$66 million

Portfolio at Risk - 1.37%

Savings Deposits - U.S.$31.5 million

OSS/FSS - >100%

RoE/RoA - 12.4%/4.1%

SUMMARY & CONCLUSION

The transformation of ACLEDA Bank has resulted in better services and opportunities to the customers of the bank and has served as well in the creation of new jobs and stimulation of the economy in Cambodia. Transformation of ACLEDA Bank in Cambodia presented both opportunities and challenges in the beginning and the result has been incredible benefits to the economy and the people of Cambodia......

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"Finance Cambodia's Acleda From Microfinance" (2008, August 21) Retrieved June 13, 2026, from
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