Vision Fund

As of 31 December 2012, 83% of VisionFundCambodia’s 156,742 clients are engaged throughCommunity Bank, one of our three lendingmethodologies, which is specifically designed for poormicro-entrepreneurs with the loan sizes ranging fromUS$20 to US$350.with positive behavior change amongst communitypeople towards using water purifiers for safe waterconsumption. We currently have 12,644 clients withUS$293,061 loan portfolio. The partnership will notend there but plan to scale up to other provincesacross Cambodia.VisionFund Cambodia’s pro-poor approach isaccompanied by other socially-oriented initiatives tobetter our social performance including credit withspecial and flexible conditions to tailor to and meetthe needs of our target customers:• Loan for Business and Agriculture• Loan for Water and Sanitation Hygiene• Loan for Environmental Protection• Credit with Health Education• Education Loan• Loan for Rural Rice Miller Cooperatives• Loan for Victims of Natural Disastersand Cash-for-work Project• Loan for People with Disabilities• Loan for HIV/AIDS Affectedand OVC Households• Loan to Promote Child Rights• Child Scholarship/Best Client Program• Financial Education and Development Messages• Safety Net for the Poor (financial protectionin case of death)• SavingsLOANS FOR WATER AND SANITATIONHYGIENE (WASH)Loan for Clean Water: VisionFund Cambodiahas partnered with PATH (Program for AppropriateTechnology in Health) and Hydrologic Social Enterprisesince early 2011 to give loans to community peoplein several provinces, such as Kampong Speu, Kandal,Takeo and Kompong Cham, to enable them to buywater filters as part of promoting clean water in thecommunity. This initiative promotes good health careLoan for Sanitation Financing: VisionFundCambodia also partnered with PATH and iDE(International Development Enterprise) in early 2012and with WaterSHED in mid-2012 to pilot sanitationfinancing loan or loan for latrines in Kandal provinceand Battambang province respectively to gauge theproduct demand in the communities. We’ve currentlyhad 1,840 clients with a loan portfolio of US$135,551.We will scale up this project to other provinces uponthe completion of the pilot phase.LOAN FOR ENVIRONMENTALPROTECTIONVisionFund Cambodia has launched what is socalled,”Solar Energy Loan” in partnership with ISS(International Solar Solutions). We offer loan to clientsto purchase solar kits for home lighting as part ofpromoting child education at night and contributingto the reduction of global greenhouse effect. Thisinitiative took off as a pilot in Kampong Thom in 2011and is now ongoing.CREDIT WITH HEALTH EDUCATIONWe first piloted a social product called “Credit withHealth Education” to deliver health conversation,awareness and practices in WVC Koh Andaet ADP.After the pilot, in 2012 we rolled it out with WVCacross all the ADPs (Area Development Programs) inTakeo province. Thousands of community membersincluding 1,354 VisionFund Cambodia clients attendedbasic health sessions delivered by WVC ADPstaff on topics about dengue fever, diarrhea, fooddemonstration, hand washing, nutrition and generalhygiene, delivered by WVC ADP staff.VISIONFUND CAMBODIA ANNUAL REPORT 2012 35