Commercialization of Microfinance: A Case Study of ACLEDA Bank of Cambodia

March 31, 2008 | Leave a Comment

Author: HENG Sohpea

Publication date: March 2008

Language: English

Type of documents: Master’s thesis

Abstract

Objective This study aims to investigate and analyze the implications of transformation of ACLEDA from a microfinance NGO into a commercial bank, and seek to understand whether ACLEDA has expanded or narrowed the position of its NGO’s mission to achieve social development. The study also identifies the strategy of transformation process affecting the NGO’s objective in promoting the social mission. The analysis focuses on the changes in the outreach of its services, its targeted clients, household welfare of the poor clients, and on whether the transformed ACLEDA is closer to or farther from its original poor clients. Especially, the study examines advantages and disadvantages of ACLEDA’s transformation affecting its poor clients, which focus on features and indicators of demand and supply sides rather than on averages of loan outstanding balance. Moreover, the study investigates and determines whether ACLEDA is upgrading or retaining its original target market following the transformation. In the process of transformation from a microfinance NGO into a commercial bank, there are some critical issues concerning the transforming procedures expressing concern over changes of target market from poor clients to less poor or rich clients or from micro business loans to small and medium business loans. This comes to people’s concerns because some poor are unable to access microfinance services as a result of transformation by some NGOs, and other poor clients are dropped out from transformed institutions due to high condition of collateral requirement. This study also aims to reflect whether ACLEDA drifts from its original mission after the transformation process. With this regard, the study is to find out how transformation impacts the position of microfinance NGO’s mission towards poverty reduction, and to understand the useful experience of a transforming microfinance NGO into a commercial bank by maintaining the adherence to achieve the mission of poverty alleviation.

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Graduation and farewell party held in Nagoya

March 21, 2008 | 1 Comment

The Cambodian Students Association in Nagoya (CSAN) held a graduation and farewell party for its member students who graduated and finished their program for the academic year 2007-2008.

The event took place on Wednesday, March 19, 2008 from 17: 00 to 22: 00 at the Graduate School of International Development (GSID), Nagoya University, with a packed and cheerful participation of the rest of the members and some of their relatives.

This year, 10 students from Aichi Prefecture—the city of which is known as Nagoya where CSAN? is based—graduated and finished their program. From GSID’s Nagoya University, there were three Master’s degree graduates: Mr. Duong Chantha, Mr.Heng Sophea and Mr.Nong Sovannak and three students finished their doctoral program: Mr. Kong Sam Onn, Mr. Ngov Peng Huy and Mr. Somreth Mammoun.

Two students, Mr. In Dara and Ms. Ngim Sorachany, had graduated from Graduate School of Law (GSL), Nagoya University. And two others were master’s graduates, Mr. Chim Samnang and Mr. Thai Heng, from Toyohashi Institute of Technology and Aichi University of Education respectively.

The party was meant to provide not only the opportunity for CSAN members to express their congratulations and say farewell to the graduates and their fellow students who had finished the program but also a forum for experience sharing and Q&A, in which the participants could learn from their seniors’ useful experience and ask questions about daily, as well as academic, life.

At 22: 00, the party officially ended with a joyful and memorable atmosphere.

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CSAN holds bowling contest

March 9, 2008 | Leave a Comment

NAGOYA, Saturday, 8 March 2008, 8PM: CSAN Bowling Championship, Spring 2008, was held and organized by the Cambodian Students Association in Nagoya (CSAN) at Hoshigaoka Bowling Centre. The competition, which was initiated in 2007, is one of the association’s sports activities aiming at strengthening health and friendship among not only its members in Nagoya but also all Cambodian students in Japan.

In this season, spring 2008, 24 contestants of Cambodian Students, 5 of whom are ladies, from Nagoya University and Toyohashi University of Technology registered for the competition which offered the prizes of a cup, a silver medal and a bronze medal for the fist, second and third male and female winner respectively, the prize for best team and the most strike male and female competitors.

The contestants, formed in a group of three and a team of 2 groups, play 3 games each in a lane organized by the CSAN committee members in charge of sport activities. As rule, a player with highest average score is rewarded the first, the second and the third in that order, so is the team. For the most strike prizes, no matter how many score they result, they will be rewarded if they get more strike than others.

The first male champion is Mr.Sun Chhunhieng, an LL.M student of Graduate School of Law (GSL), followed by Mr. Nguon Sethykun, a Master student of Graduate School of International Development (GSID), as the second and Mr. Duong Chantha, a Master student of GSID as the third. Then, the female champions are Ms. Seng Hun, an LL.D student of GSL ranked the first, Ms.Sok Lim, a Master student of GSID ranked the second, and Ms.Sambo Somphors, a LL.M student of GSL, the third.

The team, consisting of Mr. Kim Veara, a Master student of GSID, Mr. Son Kimsa, a Bachelor Student of Graduate School of Economics, and Mr. Sammreth Mammoun, a Ph.D student of GSID, Mr. Sun Chhunhieng, Ms. Seng Hun and Dr. Kuong Teilee, an Associate Professor at CALE of Nagoya University, won the best team prize.

Mr. Ya Som Ol, a Ph.D student of Graduate school of Engineering, and again Ms. Seng Hun won the prize of player with most strikes.

After the scores were released and all prizes were rewarded, the contestants together with the cheer leading audience joint the photo taking session.

The competition ended at 11:30pm. They all were so happy and looking forwards to participating in other coming CSAN’s sports events.

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