Vision:
The long-term vision of AMK is of a Cambodian society 'where citizens have equal
and sufficient economic and social opportunities to improve their standards of
living, and where they can contribute productively towards the overall
development of the country'.
As a microfinance institution (MFI), AMK’s priorities have moved away from a historical focus
on outreach, towards operational and financial sustainability whilst also maintaining
its social objectives.
AMK's Mission:
"To help large numbers of poor people to improve their livelihood options through the delivery
of appropriate and viable microfinance services."
AMK’s guiding principles reflect the overall operating framework of the
institution.
AMK's Guiding Principles:
-
AMK will provide microfinance services to poor people in Cambodia that are
grounded in sound financial discipline at all levels;
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AMK will be committed to openness and transparency in all areas of management
and operations;
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AMK will be committed to developing processes/services and to adopting
behaviors and standards that ensure optimum social performance, including client protection;
-
AMK will be a learning organization where appropriate exchange and sharing of
information will contribute to staff development, training and in policy and
systems improvements.
As an extension of these guiding principles, a Code of Practice for Client Protection was created in 2005:
AMK's Code of Practice for Client Protection:
- Maximise the inclusion of the poor and other marginalized populations who meet AMK's other criteria for selection;
- Minimize the exposure of (poor) clients to financial products that may prove harmful if they promote over-indebtedness;
- Provide complete information to clients about policies and procedures, and ensure complete transparency in transactions;
- Facilitate and promote complete freedom of choice to clients;
- Ensure appropriate and respectful behavior towards clients of staff and management.