Company Profile

Our Story:

SAHAKA Micro-finance institution Plc is a public company incorporated in Cambodia under registration established in December 2015 by two shareholders from Khmer and Japanese and received a license from the National Bank of Cambodia (NBC)  in April 2016 and fully operates in Cambodia to provide sustainable financial service through loan product to customers. 

To serve the best to our customers, SAHAKA has classified our loan products as:

Starting from a small office and only six staff, SAHAKA has grown up both office space and its staff members.
The total number of staff members as of December 2017 was 35 people, of which 34% are women, and we expected that by 2018 the total staff member would be increased up to 50 people.

As a part of the sector, we are continuing to strengthen our business model and facilitate the delivery of enhancing micro-finance services to our client in the public and private sectors that enables sustainable revenue streams in the future.

Operating and Financial Results

Detailed commentary on the operating and financial results for 2017 is included in the financial statement. Even we did not make a profit for these two years, but our operational performance was very good by reaching our target of almost 5.25 million.

Capital and Funding

To reinforce our ability to support our customers in the long term, we continue to strengthen our capital and funding positions. We made an increase of 1.5 million into our capital this year and another 2.97 million in funds for our operations.

Customer Satisfaction

Our most important metric has been customer satisfaction and this remains the case. Serving our customers and acting in their best interests is what makes our business sustainable. Our people have been working hard in recent years to deliver the service, products, and innovation that customers expect. We rank first or equal first for customer satisfaction in all key business services segments, mobile repayment collection and door to door financial services.  We always care about the way our customers would like and are looking for a better repayment to ensure the ease and economy of our customers.

Partner Cooperation

To extend our services to the customer, we are looking for an agency to cooperate with the cash transfer service. We see that it is an added service that would facilitate the loan repayment process where the customer could repay their loan anywhere closer to them.

Innovation

This is another year where we continue to work extremely hard in innovation. Innovating purposefully and for the benefit of our customers has been at the center of our strategy for our five-year plan. This will provide a better service for existing customers such as viewing the loan history and payment schedule functionality for easy payment and re-access additional loans. In addition to this, the new customers will also be able to download the Customer app, open an account, and view our financial products and they can submit their loan request to SAHAKA.

Environment and Social Priorities

We always consider the environmental, social, and economic impacts of our activities. We are committed to operating sustainably and to making a positive contribution beyond our core business. In 2017, we set out the Policy to include Environmental Protection Contribution to limit global warming and to define the role we play in supporting the transition to recycling paper used to protect trees which are indirectly a good impact on a low carbon economy and in tackling climate change. In terms of our own environmental footprint, we continue to raise our targets for reductions in waste, water, and energy usage.