词条 | Hattha Kaksekar |
释义 |
HistoryHKL is a former food security project launched in the Pursat Province in Cambodia by OCSD/Oxfam–Quebec in 1994. It was registered as an NGO with the Ministry of Interior in 1996. In 2001, Hattha Kaksekar Limited was born after it registered to the Ministry of Commerce with an overall capital of $77,850 and was offered a three-years MFI license. When it reached sustainability, the National Bank of Cambodia granted a permanent license to HKL in 2007 and a Micro-finance deposit-taking institution license in 2011.[2] ClientsConcerning its customer base, 66%[3] of HKL's clients live in the countryside. According to a Microfinanza rating report, 40%[4] of its lending activities funded agricultural projects in 2011. In 2013, women clients represented 60 to 80%[5] of overall customers. HKL has launched products for Small and Medium Enterprises (SMEs) and Micro-Small and Medium Enterprises (MSMEs).[6] Capital structureHKL has eight shareholders:
Branch networkIn December 2014, HKL office network accounted for 151 offices mainly in rural areas spread among 25 provinces.[10] ProductsLoansCreditworthiness, loan size and loan currency are the criteria on which interest rates setting is based. Concerning the use of the loan, supporting business activities or personal consumption can both be funded. In 2013, new products were launched: Green loans and Khmer Student loans.[11] Savings and DepositThe MFI developed three types of accounts:
Money TransferNational money transfers to family, relatives or business partners transit via HKL branch network. ATMsLaunched at the end of 2012, ATM network accounted for 38 machines in Cambodia in August 2013.[12] It allows customers to perform cash and non-cash transactions. MyMobile BankingMobile banking services allow customers to perform transactions such as inquiries about an account balance, look-up for an ATM location, mobile top up, bill payments and transfer funds. In addition, HKL has launched SMS notifications. During the last Cambodian Banking Awards that took place in June 2014, HKL received the “ Outstanding Innovative Product and Service MFI 2014” prize[13] for its mobile banking product. Payroll ServicePayroll Service is designed for customers who are the enterprises, companies, non-government organizations, and associations that aim to reduce their time and workload for managing payroll process for their employees. Visa HKL payroll service, your employees get a very flexible, convenience, and much benefits, while at the same time your company get an increasing of employee satisfactions. References1. ^NIX Data, March 2014, CMA website 2. ^{{cite web|url=http://www.norfund.no/south-and-southeast-asia/hattha-kaksekar-article343-365.html |title=Hattha Kaksekar - Norfund |publisher=Norfund.no |date= |accessdate=2014-07-23}} 3. ^{{cite web|url=http://www.oikocredit.fr/nos-partenaires/nos-partenaires-detail/11009/hkl-hattha-kaksekar-ltd |title=HKL, Hattha Kaksekar Ltd - Développement économique de l'un des pays les plus pauvres du monde - Oikocredit France |publisher=Oikocredit.fr |date= |accessdate=2014-07-23}} 4. ^http://www.ratinginitiative.org/uploads/tx_dbreports/HKL__Cambodia__Social_Rating_Executive_Summary__April_2011.pdf 5. ^{{cite web|url=http://www.mftransparency.org/microfinance-pricing/cambodia/008-HKL/ |title=Hattha Kaksekar Limited - MFTransparency.org Truth In Lending Tables |publisher=Mftransparency.org |date=2013-03-20 |accessdate=2014-07-23}} 6. ^{{cite web|url=http://www.mixmarket.org/fr/mfi/hkl |title=Hattha Kaksekar Ltd. | MFIs in Cambodia |publisher=Mixmarket.org |date= |accessdate=2014-07-23}} 7. ^{{cite web|url=http://www.triplejump.eu/anmf/ |accessdate=July 31, 2014 |deadurl=yes |archiveurl=https://web.archive.org/web/20140209172654/http://www.triplejump.eu/anmf/ |archivedate=February 9, 2014 }} 8. ^{{cite web|url=http://www.responsability.com/investing/en/750/responsAbility-Participations-AG-Capital-increase-successfully-completed.htm?Article=20517 |title=Media releases - Media releases - responsAbility Participations AG - Capital increase successfully completed |publisher=responsAbility |date= |accessdate=2014-07-23}} 9. ^{{cite web|url=http://www.responsability.com/investing/en/678/Homepage-Investing.htm |title=Investing - responsAbility news |publisher=responsAbility |date=2014-07-14 |accessdate=2014-07-23}} 10. ^{{cite web |url=http://www.hkl.com.kh/Branch_Network.aspx?menuId=1&subMenuID=4 |title=Hattha Kaksekar Limited |publisher=Hkl.com.kh |date= |accessdate=2014-07-23 |deadurl=yes |archiveurl=https://web.archive.org/web/20140803230429/http://www.hkl.com.kh/Branch_Network.aspx?menuId=1&subMenuID=4 |archivedate=2014-08-03 |df= }} 11. ^{{cite web|url=http://www.mixmarket.org/mfi/hkl |title=Hattha Kaksekar Ltd. | MFIs in Cambodia |publisher=Mixmarket.org |date=1994-05-01 |accessdate=2014-07-23}} 12. ^{{cite web |url=http://www.abc.org.kh/abcorg/content/hattha-kasekar-limited-hkl-added-more-16-atms-cambodia |title=Hattha Kasekar Limited (HKL) added more 16 ATMs in Cambodia | The Association of Banks in Cambodia |publisher=Abc.org.kh |date= |accessdate=2014-07-23 |deadurl=yes |archiveurl=https://web.archive.org/web/20140808045838/http://www.abc.org.kh/abcorg/content/hattha-kasekar-limited-hkl-added-more-16-atms-cambodia |archivedate=2014-08-08 |df= }} 13. ^{{cite web|url=http://www.khmertimeskh.com/news/2391/sixth-cambodia-banking-awards/ |title=Sixth Cambodia Banking Awards | KhmerTimes | News Portal Cambodia | |publisher=Khmertimeskh.com |date= |accessdate=2014-07-23}} 2 : Microfinance organizations|Companies of Cambodia |
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