1. @TBODGood www.thebusinessofdoinggood.co.uk Balancing Social and Financial Performance 6 Insights from AMK Cambodia for Successfully Delivering on Good Intentions

2. Why is AMK interesting? Scale – 400,000 clients - touching 2 million; 1850 staff, 140 offices, 1200 savings/transfer agents Outreach –reaching 87% of villages (“Finance at your doorstep”) Poverty focus – 50% below food poverty line (20% in Cambodia) Multi-product, multi-channel organisation – credit, savings, insurance, money transfer Outcomes – improved well-being (food, education, stability & control of finances) Successful business –US$3.3 million profit; return on equity = 18%; competitive market

3. Six Insights Part I Shedding assumptions about clients 1 Don’t just offer products; respond to client needs

4. Six Insights Part I Shedding assumptions about clients 2 Ask good questions; have good conversations

6. Six Insights Part II Translating good intentions 3 Do what it says on the tin

7. Six Insights Part II Translating good intentions 4 Motivate staff to do difficult work in an excellent way

8. Six Insights Part III Building a business model that works 5 Own the dirt road

9. Six Insights Part III Building a business model that works 6 Adapt to the changing landscape

10. www.thebusinessofdoinggood.co.uk @TBODGood

11. Break-out groups 1. Products and services that meet clients’ needs: Credit line & information system Hout Sokah (Chief Business Officer) & Pum Sophy (Head of Research Department) 2. Managing what matters – Home visits and staff incentives Mam Choeurn (Chief Operations Officer) 3. Getting staff to do difficult work in an excellent way Peaing Pisak (Head of Human Resource Department) 4. Building a business model that works – poverty outreach and savings Kea Borann(CEO) 5. Social Performance Committee of the Board Frances Sinha (Social Performance Committee member)