| Author | Ros Sokha |
| Call Number | AIT Thesis no.HS-97-22 |
| Subject(s) | Rural credit--Cambodia--Pursat
|
| Note | A thesis submitted in partial fulfillment of the requirements for the degree of Master of Science, School of Environment, Resources and Development |
| Publisher | Asian Institute of Technology |
| Series Statement | Thesis ; no. HS-97-22 |
| Abstract | This piece of research had presented the policy and strategy of the national credit
program and the two cases of credit institution are operating. In responding to the needs of
credit of the rural poor, CCRD had formulated the credit policy and the credit strategy as a
guideline for the rural financial institutions. Most of the NGO credit schemes are based on
group collateral through village banks or solidarity groups, particularly women's groups. In
terms of repayment had been extremely good, despite loans being directed to disadvantaged
groups such as widows, female headed households, internally displaced people, demobilized
soldiers and the unskilled poor.
ACLEDA and DWA are the credit institutions that this piece of research had drawn
attention to. The research had examined the organizational structure and operational of loans.
The finding has shown that the two credit program had performed well in terms of loan
administration and loans collection. They have more or less followed the credit concepts of
Gramean Bank.
Loan administration and loan collection of ACLEDA and DWA generally is good. The
way to communicate with the clients of the credit programs had been done carefully in
resulting of high repayment rate. The training given to the entrepreneurs has resulted in
improving the capacity of the entrepreneurs to start or to expand their enterprises and increase
income. Both areas of studies have paid attention only in supply side has resulted in problems
in marketing.
Most of the clients had joined the programs with high awareness the programs as well
as about the micro business opp01iunity. The loans are perceived not as an overwhelming
"debt burden", but as investment leading to increased income, self-esteem, self-confidence,
and self-reliance. The pa11icipation in income-generating activities by poor households has led
to increased level of living directly. The income of ACLEDA's respondents had been
decreased in 1996, from 1995 but t4e income of DWA's respondents had increased in 1996,
from 1995. The average net income per day of respondents of those two program is US$ 2.36
However, the rural financial institutions need to pay much attention to develop skills for poor
people to enable them to participate in income generating activities more. |
| Year | 1997 |
| Corresponding Series Added Entry | Asian Institute of Technology. Thesis ; no. HS-97-22 |
| Type | Thesis |
| School | School of Environment, Resources, and Development (SERD) |
| Department | Other Field of Studies (No Department) |
| Academic Program/FoS | Human Settlement (HS) |
| Chairperson(s) | Dale, Reidar; |
| Examination Committee(s) | Soparth Pongquan;Wickramanayake, B.W.E; |
| Scholarship Donor(s) | Swedish International Development Agency (SIDA) ; |
| Degree | Thesis (M.Sc.) - Asian Institute of Technology, 1997 |