 Accompanying families in urban depressed areas to face unexpected expenses, to develop long term projects and increase their incomes through offering savings, loans and micro insurance services.
Helping people running small economic activities to improve their business skills and self-confidence through providing trainings and business follow up.
Supporting them and their relatives on social matters through referral to other organization.
Core Value
 INTEGRITY - Chamroeun will provide financial and non financial services to partners for enhance their well-being, and deliver in a manner that is ethical, dignified, transparent, equitable, and cost effective. .
 QUALITY OF SERVICE - Chamroeun believes that our partners deserve fair and efficient Chamroeun�s services. Chamroeun will provide these services to them in as convenient, participatory and timely manner as possible.
 TRANSPARENCY - Chamroeun shall give our partners complete and accurate information and educate them about the terms of financial services offered by us in a manner that is understandable by them.
 FAIR PRACTICES - Chamroeun ensures that our services to our partners are not unethical and deceptive, Chamroeun are committed fairly practices to build on dignity, respect, fair treatment, persuasion and courtesy to partners.
 PARTNER SATISFACTION - Chamroeun's priority is always to ensure that the partners are fully satisfied with our services .
Board Of Director |
|
 | Mr.Grégoire HEAULME,
Chairman,
French
Currently, he works with Entrepreneurs du Monde, international NGOs, as Head of Asia Programs. He joined the Boards in February 2009. He previously worked as Program Manager of the Entrepreneurs |
du Monde in Cambodia from 2005-2008.
|
Prior join with EdM in 2005, he worked as Finance Manager and Country Representative of ESSOR at Republic of Guinea started since September 2002 until May 2005. He also worked for Decathlon as Direction Regional Nord in French and as Administrative Manager and French Teacher of Voluntary Service Oversee in Madagascar. Since 1996 to 1997, he began his first job as Store Manager of La Rousse Foods in Ireland.
In 1996, he gained a French Degree called, Business and Management School, major in Finance from ESPEME in France. He also obtained the exchange program at Hofstra University at New York as Finance in 1995. He earned the French Equivalent of the A Levels from Notce Dame, in France. |
 | Mr.Humbert Garreau de Labarre,
Director, Member of Board,
French
Joined the Board in February 2009. He holds a Master's Degree in Management from Paris Dauphine University in 1983. He firstly started his banking career at NSMD office in French as |
Managing Portfolios for High Net worth Individuals in 1983.
|
| In 1988, he worked with La Compaignie Financière Edmond De Rothschild as Senior Vice President of the private Banking Department. Since 1998 to 2006, he was a member of the Board of EDRAM, Equity Asset Management Subsidiary of La Compaignie Financière Edmond de Rothschild. Since September 2006, he is in LCF Rothschild Representative Office in Shanghai of China with Bank of China and Znonghai Group. Beside of these activities, he launched the Investment Fund "Saint-Honoré Microfinance" of Blue Orchard. |
 | Mr.Sophea SUON,
Director and General Manager,
Cambodian
General Manager of Chamroeun Microfinance Limited. Appointed to the Board on February 2009. He obtained a Bachelor’s degree of Business Administration. He has attended numerous courses |
on management and microfinance sector in Cambodia and oversea.Microfinance, Human Resource Management in Home and oversee etc.
|
| Prior joined with Chamroeun on August 2008, he worked with 3 MFIs in Cambodia such as Thaneakea Phum (Cambodia) as Operation Manager, Seilanithih Limited as Credit Department Manager for the last position and SATHAPANA former Cambodia Community Building. He has over 11 years of experiences with MFIs and private companies |
 | Mr.Christophe Forsinetti,
Director
French
Joined the Board on February 2009. He is Vice President of Devenco Company in Cambodia, and he worked for MicroCred Bank as Project Manager and moved to be Branch Director in Madagascar. |
He also started his career, Mexico, as Consultant for Planet Finance. In 2005, he has been the Research and Communication Officer, Paris, of European Microfinance Network and Project Officer of Valicert BV in Amsterdam.
|
| In 2004, he holds Master Economics and Geopolitics in Paris and obtained International Business Major in Mexico in 2000. He also gained the Finance Major from Truman State University of USA. He was joined the two different Training Courses of Junior Project Manager, Mexico, of Interware SA de CV and Assistant to the Vice President of International with Valicert Inc in California. |
 | Mrs.Rapha Bonamy,
Director,
French,
Appointed to the Board on February 2009. Currently, sh work as Administrative Manager and Legal Coordinator of Société Concessionnaire de L'Aéroport (SCA), in Phnom Penh of Cambodia, |
who was appointed on January 2006 and she has served as Support Client Unit for Société Générale, office in Paris of France, since 1992 to 2005.
|
She had been worked for a Financial Engineering Department "between 2003 to 2004" and Marketing Listed Products Department since 2001 to 2003. She gained work experience as Marketing Listed Products Department from 1992 to 2003 and she served her first career of Junior Assistant for COFACE (Litigation Department), in 1991 to 1992.
She holds the Post Graduate Degree of International Business from Charles Péguy Paris in 1991 and in 1989, earned DEUG de droit from University of Paris X Nanterre. She has also gained the Diploma of A level in Economics from Lycee Jean Rostand Chantilly. |
Executive Manager
 | Mr.Sophea SUON,
Director and General Manager,
Cambodian
General Manager of Chamroeun Microfinance Limited. Appointed to the Board on February 2009. He obtained a Bachelor’s degree of Business Administration. He has attended numerous courses |
on management and microfinance sector in Cambodia and oversea.Microfinance, Human Resource Management in Home and oversee etc.
|
| Prior joined with Chamroeun on August 2008, he worked with 3 MFIs in Cambodia such as Thaneakea Phum (Cambodia) as Operation Manager, Seilanithih Limited as Credit Department Manager for the last position and SATHAPANA former Cambodia Community Building. He has over 11 years of experiences with MFIs and private companies |
 | Mrs.Uch Phalkun,
Human Resource Manager
Born on January 1969. She was recruited in February 2007 to be the Business and Social Development Manager and then to Human Resource Manager in October 2008.
|
| Prior joined her career with Chamroeun as Executive Manager Team, she has 15 years of work experiences in the field of NGOs and Department of Commerce, most of her jobs served for Poor Community People. She holds Engineering Assistant of Diploma in Weaving Technology from IVNOVO Textile College in Russia. She has attended numerous courses on management and microfinance sector in Cambodia. |
 | Mr.Slesh Romly,
Financial and Administration Manager
Born on October 09, 1977. He joined Chamroeun Team on April 2008 as Financial and Administration Manager. He previously worked with PricewaterhouseCooper as senior auditor the last position since 2005 to 2007.
|
| He also worked with private companies in the several titles as Senior Accountant and Site Supervisor, who has earned 6 years of his work experiences. He gained Bachelor of Business Administration from National University of Management, specialization in Accounting, in 2005 and obtained the Certificate of CAT for Introductory of Intermediate and Advanced level in 2007. Presently, he is also a student of CAT for Advanced Level (T7, T8, and T10). He has attended numerous courses on management and microfinance sector in Cambodia |
 | Mrs.Wong Somaly,
Internal Auditor Manager
Born in March 12, 1979. She was recruited in January 2007 to be the MIS and Internal Auditor and promoted to Information Technology Manager in October 2008. Now she work as Internal Auditor Manager.
|
| She previously worked with Thaneakea Phum (Cambodia)., Ltd (TPC) as System Administrator from 2002 to 2006 and as Credit Project Officer with Catholic Relief Service (CRS) from 1997 to 2001. She is studying Bachelor of Computer Science at Norton University and holding Diploma from Dara Rasmey in 2005. She has also finished Computer and Secretarial and many Training Lessons of Computer Microsoft. She has also attended numerous courses on management and microfinance sector in Cambodia. |
|
|
|
 | Mr.Chea Rum,
Business and Social Development Manager
Born in 1976 in Kandal Province, he has gained along way of work experience with the language school in several posts. He used to serve as Human Resource Officer, 2 years of work, and 3 years to be the Branch Manager, worked with Newton Thilay School. He also served as Customer Services and Part Time Language Teacher. Rum started his career with |
Chamroeun on June 01, 2009 as a Business and Social Development Manger.
|
He completed Master of Business Administration (MBA) from Phnom Penh International University and hold Bachelor of Business Administration of General Management with Build Bright University. He has joined many Training Courses in Translation and Interpretation, Secretary and Administrative Affairs, Shipping Management, Woman Rights, Human Right, Leadership, Decision Making and Problem Solving, Marketing and Customer Services, Building Program for Manager, Human Resource Management, Effective Budgeting Skill, Cambodian Labor Law and Branch Management with the different location.
SERVICES
LOANS
| Chamroeun Loans (CL) |
| |
| For Chamroeun Loan, the interest rate charged is competitive per month, on a declining balance. No physical collateral is necessary but partners have to receive the approval of "co-makers" who will also sign the loan contracts. The maximum amount for a first loan is 400,000 Riels (equivalent $100). If the loan is repaid on time and if the business still needs it, the partner can apply for a new loan |
|
| Entrepreneurs Loans (EL) |
| |
Entrepreneurs Loans (EL) gives access to bigger loan amounts (up to 1.5 million Riels for a first
loan) and the interest rate is competitive. Reasonable collaterals are requested to secure loan |
| Social Emergency Loans (SEL) |
| |
Social Emergency loan supports Chamroeun's partners when they need money in case
of emergencies related to:
Hospitalization fee in case of sudden illness or accident.
Fees related to baby delivery.
Funeral fees in case of family member's death.
Buying material to replace losses due to disaster or fire.
Social emergency loan will be provided to only existing partners who face urgent emergency
situation. Interest rate is only 2% per month on declining balance with the maximum loan
amount is 500,000 Riels with term is up to 6 months. Partner needs to pay by monthly to the
branches. No physical collateral is required but partner needs to present one co-maker who
can be a family member. No processing fee and compulsory saving are charged from partner.
| Developing Loan (DL) |
| |
| Interest rate is competitive on declining balance with the maximum loan amount is 200,000 Riels (equivalent $50) with term is up to 20 weeks. If the loan is repaid according to the schedule and if the activity still demands it, partner can have access to a new loan, on the next cycle. Partner needs to pay by only weekly to the branches. No physical collateral is required but clients needs to present one co-maker. |
SAVING
| CAPITAL BUILD UP (CBU) SAVING (Compulsory saving) |
| |
Prior to be a partner with Chamroeun, client needs to opening CBU saving with no administrative fees for opening or account management are charged.
Minimum transaction amount is only 2,000 riels.
It is possible to deposit or withdrawal without limitation.
A very competitive interest rate is offered (between 2% and 4.5% per year according to the account balance, capitalized monthly).
No identity document is requested to open a saving account.
Partners will receive a passbook similar to the ones used in commercial banks. It makes them feel responsible and helps building self-confidence.
|
| LOAN CAPITAL BUILD UP (LCBU) SAVING/ COMPULSORY SAVING |
| |
All along the loan repayments, partners are requested to deposit a small amount in a specific account at each installment.
During the loan repayment, no interest is paid on that compulsory saving. Chamroeun constitutes a small guaranty to the outstanding loan and for the partner it is a way to build softly a small capital.
Once the loan is fully repaid, that amount is transferred to Capital Build Up (CBU) saving account and starts generating interests. |
MICRO INSURANCE
Chamroeun proposes a health micro insurance product in partnership with GRET and its program "SKY". The insurance covers consultation fees, medicines and hospitalization for the all families. The premium varies between 8,000 And 20,000 Riels per month depending on the number of people in the family. Members receive an insurance book updated every month when they come to make the payments. By presenting this book, members have a free access to doctor and nurses especially dedicated to them and to all Phnom Penh municipal Hospital services.
NON FINANCE SERVICES
| Four Business Training modules |
| |
| These trainings focus on very small income generating activities management. They are organized directly in the branches. Participation is free of charge. Participants having attended the four modules receive a certificate. Four modules are Entrepreneurship, Basic Marketing, Bookkeeping, and Business plan. |
| Social Training |
| |
| These trainings are facilitated in the branches by the social worker (BSD Officers) or by some of network’s organizations. The objective of these trainings is to make the beneficiaries aware and resistant to social issues or risks such as domestic violence, HIV/AIDS infection, human rights violations, drugs addiction, human trafficking, sexual exploitation, child rights, gender, land dispute, democracy, environment and other social matters. |
| |
| Social counseling permanencies |
| |
| Every week, a social worker (BSD Officers) spends half a day in all branches. He is available to discuss any social related matter with the partners. Depending on the problem encountered, he will help the family to find adapted solutions. |
| |
| Referral to a network of specialized organizations |
| |
The social workers (BSD Officers) develop partnerships with other organizations specialized on social matters (health, education, advocacy, human rights...) and well-known for the quality of their work. When possible, partners met during the social counseling open hours will be sent to these organizations where they will receive appropriate assistance.
|
| Skill Training |
| |
| They also take place in the branches and are facilitated by some of the Partners identified for special skills they use in their businesses. The new skill learnt can be used by trainees to start up a new activity or to develop an existing one. A small financial participation (3,000 Riels) is requested to cover the trainer fees and materials. |
TRAINING
OVERVIEW
Access Employment Center (AEC) is a service that is being operated under the supervision of Chamroeun Microfinance Limited in Cambodia by providing educational services related to trainings on basic or other skills to Chamroeun Microfinance’s partners, relatives of partners, students, all social workers who are willing to improve their standard of living and their works.
By continuously developing and expanding Chamroeun’s services, AEC is established under the management of Chamroeun Microfinance in Cambodia in order to maintain and strengthen its daily operation especially on training service and social service.
In response to the human resource market need, AEC is installed intends to fulfill the market demand on Human Resource sector that consists of existing trainees and potential trainees.
In its commitment to succeed a life-long operation, AEC will, from time to time, struggle all obstacles to research and discuss in order to find out the best strategy, methodology, and necessary documents for its trainees.
Vision |
|
| AEC Center is committed to be a leading training center in Cambodia in providing skills training services guided by its mission. |
|
| Mission |
|
In order to achieve the above vision, AEC has a six-fold mission to provide:
Quality training program for satisfying trainee’s need and human resource market’s need
Qualified trainers who have a long experience in the training course especially related to job hunting, social environment and management sector
Quality training environment which gives safe and comfort for trainees and where the trainees achievement are acknowledged, motivated, and encouraged
Quality training facilities which enable trainees to grow and flourish intellectually.
Trainees with voluntary or internship work
 Job opportunity for trainees who have enough ability and capacity. |
TRAINING PROGRAME
Training courses are conducted every month for the benefit of Chamroeun’s staff and beneficiaries who are willing to improve their skills and core competencies. It has both the public and customized program for the inside and outside trainees.
The courses are covered:
Affective Job Hunting Skill
How to be positive attitude
How to Build High Self-Esteem
Customer First Training
Human Resource Management
Time Management
Problem Solving Skill
Communication Skill
Interpersonal Skill
Effective Budgeting Skill
How to be Happy at Work
Leadership and Management
How to Think Right (Operacy) and So on ( the bold statement training will be conducted in 2010).
All those courses are designed to suit the requirements of the inside and outside trainees and also the Human Resource Demand of Market. In addition, the training will focus on the real situation of current requirements.
he people attracted in taking part in any kind of training courses should register their name and related information or email to inform Chamroeun’ staff who are responsible for registration about their willingness no later than three days prior to the commencement of the course at the Head Office of Chamroeun address:
Registration
Head Office:
House #42D, Street 320, Sangkat Boeng Keng Kang III, Khan Chamkarmorn, Phnom Penh, Cambodia,P.O. Box: 1113
Tel: (855)23 98 75 66.
info@chamroeun.com
www.chamroeun.com
For more information, contact
Mr. CHEA RUM Tel : 099 40 9999 , 097 700 300 9
Mr. CHEN DaneTel : 077 89 66 60
|
|
| Training Location Map |
|
| Payment |
|
| The training courses are under the supports of Chamroeun Company and donated by Entrepreneur Du Monde but the trainees are required to contribute any part of payment on the training fee based on each training requirement. Training payment should be paid before or on training day. |
|
| Refundable Training FEE |
|
| The participants who have registered and then wished to cancel their participation from any training course should informed Chamroeun’s staff who is in charge of training registration at least one day in advance of training course starting by phone, mail or direct contact. The cancellation of participation, 50% of full payment will be deducted. |
ENTITLEMENT
Certificate
Certificate of participation will be issued to participants who attend a full-course. No certificates will be offered to participants who do not complete the course.
Supported Materials/ Refreshment
The participants will gain all related documents for the course such as Hand Book, Handout, Slide and refreshments (Coffee Break).
Internship/Volunteer
After completed training, the internship or volunteer job will be entitled to the participants based on the level of score and participants’ request. If Chamroeun needs employee to work, the internship trainees are priority to be selected.
Other Entitlement
If the Trainees are in group of five participants will be discounted 100% payment for one person but Hand Book will be charged 4,000 Reils. Qualified training and comfortable training class are also offered through Access Employment Center’s Mission
Partner for Success |
|
