Vision Fund

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ABOUT USKHUON SOPHORTHHead of Systems and CommunicationsMr. Sophorth returned to VisionFund Cambodia to takeup his current position in late 2008, nearly a year afterhe left the institution to join World Vision Internationalas technical specialist in banking applications.He originally joined VisionFund Cambodia as ITManager in 2005 after spending approximately fiveyears of employment for several commercial and socialenterprises.Mr. Sophorth is currently pursuing a Master’s Degree inBusiness Administration from Pannasastra University inCambodia, and holds a Bachelor Degree in ComputerScience and Engineering from the Royal University ofPhnom Penh, Cambodia.He has numerous certificates of training at home andabroad including the Global Banking System Training inToronto, Canada and the Banking System Automationin London, England.CHHAN AND HIS BROTHER, SONS OFOUR BEST CLIENT IN SIEM REAP, AREHOLDING A SCHOLARSHIP BOARDPROVIDED BY VISIONFUND CAMBODIA.46 children of our clients have received annualcash worth amounted to US$100, some amountof which is for buying school materials while theremaining amount is kept as children’s savingsuntil the completion of their high school.20 VISIONFUND CAMBODIA ANNUAL REPORT 2012
KEY FIGURESDecember 2012 December 2011Number of Active borrowers 156,742 132,036% of women borrowers 93% 92%Number of Provincial branch office 13 11Number of Districts covered 118 108Total Staff 820 700Loan Portfolio $48,025,552 $37,719,086Average portfolio per borrower $306 $286Average portfolio per Client Service Officer $118,582 $109,331Portfolio at risk > 30 days 0.26% 0.14%Total Assets $55,342,557 $44,236,309Total Equity $15,854,614 $12,212,770Operational Self-Sufficiency (OSS) 119% 119%Financial Self-Sufficiency (FSS) 112% 112%Return on Assets (ROA) 4.54% 4.23%LOANS METHODOLOGIESBY CLIENT NUMBERLOANS METHODOLOGIESBY PORTFOLIO SIZESolidarity Group 8% Individual Lending 8%Community Bank 45%Solidarity Group 12%Individual Lending 43%Community Bank 84%VISIONFUND CAMBODIA ANNUAL REPORT 2012 21
Page 2 and 3: CONTENTSABOUT US5 Vision, Mission a
Page 8 and 9: ABOUT USMESSAGE FROMSCOTT BROWNPRES
Page 10 and 11: ABOUT USA MESSAGEFROMVISIONFUNDCAMB
Page 14 and 15: ABOUT USBOARDMEMBERSMS. ESTHER HALI
Page 16 and 17: ABOUT USMR. CHEONG CHIN KUANBOARD M
Page 18 and 19: ABOUT USexecutive teamCHEE CHIN HOE
Page 22 and 23: ABOUT USORGANIZATIONALCHARTBOARD OF
Page 24 and 25: CLIENT STORYThe loan fromVisionFund
Page 26 and 27: ABOUT USPRODUCTPROFILETHREE LENDING
Page 28 and 29: ABOUT USOURPARTNERSBelieving that f
Page 30 and 31: ABOUT USenjoy good living condition
Page 32 and 33: SOCIAL IMPACTVisionFund Cambodia ha
Page 34 and 35: SOCIAL IMPACTINITIATIVESTO IMPROVES
Page 36 and 37: SOCIAL IMPACTEDUCATION LOANVisionFu
Page 38 and 39: SOCIAL IMPACTprevention, child’s
Page 40 and 41: SOCIAL IMPACTEnvironmental andEmplo
Page 42 and 43: financialVisionFund Cambodia’s ro
Page 44 and 45: FINANCIALGrowth trendACTIVE CLIENTS
Page 46 and 47: FINANCIALTOTAL ASSETSDEC. 2007 - DE
Page 48 and 49: FINANCIALBALANCE SHEET AS AT31 DEC.
Page 50 and 51: FINANCIALSTATEMENT OF CHANGES INEQU
Page 52 and 53: VISIONFUNDGLOBALLatin America &Cari

Vision Fund

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