BACKGROUND
The Thaneakea Phum (Cambodia), Ltd.- (TPC) - Is a locally registered and licensed microfinance institution. It is regulated by the National Bank of Cambodia and is one of the twenty (20) licensed MFIs operating in Cambodia. As a regulated MFI, TPC has the legal authority to provide all financial services currently offered to its target clients. Typically, clients (90% are women) can access these services for trade, services, rice production, farming and other activities through 11 branches and 17 offices spread across the rural Cambodia.

TPC ownership changed in January 2010. Catholic Relief Services sold it shares to DWM FUNDS S.C.A.-SICAV SIF, through and on behalf of its sub-fund DWM MICROFINANCE EQUITY FUND 1, a societe en commandite par action organized and existing under the laws of Luxembourg ("DWM"). “Developing World Markets: DWM is a USA-based socially responsible financial services group whose activities include managing one or more investment vehicles that hold shares in the company. For more information, see www.dwmarkets.com.”

MISSION STATEMENT
Thaneakea Phum (Cambodia), Ltd. (TPC) is a microfinance institution (MFI) with a social vision and a business orientation that provides poor, rural men and women with the economic opportunities to transform the quality of their lives and their communities through the provision of effective and sustainable, client-empowering financial services.

VISION STATEMENT
Poor, rural Cambodian families are empowered to live their lives with dignity, social, and economic security and justice.

GOAL STATEMENT
To reduce poverty and improve the standard of living and quality of life for the poor, TPC shall provide men and women with reliable access to microfinance services that address their needs, build their capacity, and engender mutual guarantees and group cohesion

1. Group Loans

TPC has group loan products that utilize the village bank methodology in lieu of collateral guarantees. These are the: (1) Thaneakea Phum Loan (TPL) and (2) Solidarity Group Loan (SGL):

Thaneakea Phum Loan (TPL)

The Thaneakea Phum Loan (TPL) is a community based lending facility that uses the Village Bank (VB) as the service delivery point. This product is designed to service women to start income-generating activities or to expand existing businesses. Traditionally women have been found to have very limited access to credit.

The borrowers form a joint liability group composed of three to seven women. While several groups still make up the VB, groups can join, be trained and receive loans at different times. Each group leader assumes all the responsibilities pertaining to her group. There are no organized meetings or compulsory savings. The VB and Credit Agent (CA) decide on the day and specific time to make payments at the village. The CA goes to the village and the group leaders and clients come to pay anytime within the agreed timeframe.

Solidarity Group Loan(SGL)

The Solidarity Group Loan (SGL) is another product option for groups. The main difference is that groups choose to make their payments directly at the TPC branch or satellite office. The loan product is for clients that need larger loans and regularly travel to the markets or businesses that surround TPC’s branch offices thus making it easy for them to come and make their payments.

The loan sizes of the SGL are typically higher. The client usually needs to complete a business survey to determine the appropriate loan size and repayment capacity based on her business cash-flow.

2. Individual Loan

The Individual Loan Product (ILP) is intended for enterprising individuals who require larger loans for their business. The loan product target clients that have small to medium size businesses requiring loan from five hundred thousand to twenty million riels (500,000 to 20,000,000 riels).

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Financial Statements

Annual Reports

Rating Reports