Welcome to Maxima Mikroheranthvatho Plc.
Maxima Mikroheranhvatho Plc. is a public limited company and was granted a permanent licensed microfinance institution by the National Bank of Cambodia. Maxima is one of the leading microfinance institutions in Cambodia and is a high-quality microfinance services firm with a reputation for integrity, quality, and excellence in management.
Maxima was founded with the objective of providing financial services to low income clients through small loans to individuals, groups and small to medium-sized enterprises (SMEs) and seasonal loans. Maxima aims to contribute to the economic and social progress of rural Cambodia by making credit available to those who lack access to loans from traditional commercial banks. By making credit available to the rural poor, Maxima’s clients, using their natural skills and harnessing their entrepreneurial spirit, are given the opportunity to start a new business or expand upon an existing one. Such sustainable access to credit, allows for those living in rural areas to achieve social and economic progress not only for their families but also for their communities. Maxima help to build the capacity to manage money for business, creating job and their own livelihoods as well as attract people remain living in the rural areas rather than come to seek for job in the city.
Maxima is currently providing financial services through its head office in Phnom Penh, a branch office in Kien Svay district and 2 service offices in the Khsach Kandal and Kandal Steung districts. With its 4 offices and 55 staff, Maxima is active in operating in 262 villages within 15 districts in Kandal province and some suburbs of Phnom Penh city. Maxima has enjoyed expansion of its business achieving an average portfolio growth rate of 34% per annum since 2005.
By the end of June 2011, Maxima total assets was $2,543,590 with the total loan portfolio of $2,174,675 to more than 2,598 borrowing customers of which 58% are women. Maxima has diversified capital base to fund its loan operation which comprises of $614,715 equity and $1,582,800 debt, borrowed from domestic and oversea financial institutions including RDB–Cambodia, LMDF-Luxembourg, ETIMOS-Italy and Kiva Microfunds–USA.