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AMK Microfinance Institution Plc

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Verified or Registered as Real.
This Company has been
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Vision AMK’s long-term vision 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. Mission To provide a range of responsible financial services to our clients from varying economic segments, particularly low-income households and women, to help them to achieve their financial and household aspirations.
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About AMK Microfinance Institution Plc

Employer Details

  • Type: Direct Employer
  • Industry: Banking/ Insurance/ Microfinance
  • No. Employees: 1001 to 5000

Address

Building #285, Yothapol Khemarak Phoumin Blvd (271), Sangkat Tumnub Teuk, Khan Boeung Keng Kang, Phnom Penh,,Phnom Penh, Cambodia

Company Vision and Mission

Vision
AMK’s long-term vision 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.

Mission
To provide a range of responsible financial services to our clients from varying economic segments, particularly low-income households and women, to help them to achieve their financial and household aspirations.

What we do

AMK Microfinance Institution PLC (AMK MFI) originated from the micro-credit & savings program of Irish NGO Concern Worldwide, originally established in the early 1990s. In 2002, Concern Worldwide decided to create a separate microfinance institution under the name Angkor Microheranhvatho Kampuchea (AMK) which subsequently became known and re-registered as “AMK Microfinance Institution Plc”. This move in 2002 was in line with the changes to Cambodian regulations in microfinance, as well as developments in the microfinance market.

In July 2003, AMK began operating independently of Concern and subsequently received its microfinance license from the National Bank of Cambodia in 2004 to offer microfinance services across Cambodia.

By 2005, AMK had made its first operating profit, had its first external debt funding approved, and had created a social performance management mechanism. In the following years, AMK experienced rapid growth in its core credit business, extending its branch network to every province of the country. By 2009, it was operating in all provinces of Cambodia and had become the largest lending institution in Cambodia in terms of borrower numbers.

In 2010, AMK began a strategic transformation, from a rural credit-only business into a broader provider of microfinance services. This strategy was driven by the ambition to provide a wider array of financial services to Cambodia’s under-served population and thereby further assist them in improving their livelihood options.

Towards this goal, 2010 was a milestone year when AMK received its license from the National Bank of Cambodia as a Microfinance Deposit-taking Institution (MDI).

During 2011/12, with approval from the National Bank of Cambodia, AMK pioneered Branchless Banking by offering deposit products to low-income households through an agent network. This service specifically targeted households who may not have been able to access the same service at any bank or MDI office.

In 2011, AMK added money transfers to its service offering across it branch and agent network, targeting small domestic transfers with a competitive fee structure.

In 2013, AMK introduced ATMs/CDMs, a channel which has subsequently been expanded to all branches.

In 2014, AMK began offering health and accident insurance policies (in partnership with the largest private insurer in Cambodia) to AMK’s loan clients as a pilot, which was then rolled out across the country in 2015. Over 80% of AMK’s clients now take out insurance policies for themselves and about 25% buy additional policies for their spouse. In the same year, AMK started its digital transformation. The first digital transformation project was its lending business. AMK developed an inhouse loan origination system which allowed loan officers to conduct business in the field with their clients wirelessly via a Tablet. It is not only allowed for better information to be captured but simplified the whole loan origination process in AMK, l

Our workplace and culture

Guiding Principles
AMK will provide financial services to its client who have sound financial discipline at all levels.
AMK will be committed to openness and transparency in all areas of management and operations.
AMK will be committed to developing processes and services, and to adopting behaviors and standards that ensure optimum environmental and social performance, including client protection and climate change adaptation.
AMK will be a learning organization where appropriate exchange and sharing of information contributes to staff development, training and to improvements in policy and systems.
All AMK Microfinance Institution Plc Jobs
Drive the growth of deposit balances across key product lines, ensuring sustainable and stable portfolio expansion. Monitor deposit portfolio performance across CASA, Term Deposit, and Contractual Savings, identifying key trends, risks, and opportunities. Analyze customer segments, product performance, balance movements, and market trends to identify growth and risk areas. Analyze daily, weekly, and monthly deposit movements to ensure stable and sustainable portfolio growth. Track customer behavior, account activity, and product performance to support targeted growth strategies. Provide insights and recommendations to improve deposit mix (CASA %), reduce high-cost funds, and strengthen funding stability. Coordinate with branch teams (ROs/RS/RMs) and other stakeholders to support acquisition, retention strategies, and address abnormal balance fluctuations. Conduct regular branch visits to support execution and gather feedback for process and service improvements. Reinforce strategic initiatives to ensure sustainable deposit balance growth. Drive growth of depositors and digital adoption through effective acquisition across branches, digital platforms, and partnership/referral channels. Manage and monitor digital onboarding, mobile banking adoption, and online account opening conversion and usage. Collaborate with Digital Banking, Marketing, and Product teams to optimize onboarding and improve conversion and engagement. Support the rollout of new digital features, enhancements, and campaigns to attract and retain deposit customers. Collect customer feedback, identify gaps, and work with relevant teams to improve customer experience and digital journey. Reinforce implementation of merchant monitoring and site visits in line with SOPs. Ensure acquisition and onboarding activities comply with regulatory requirements, internal policies, and risk management standards. Assist in designing sales kits, training materials, and FAQs for frontline teams.
Deposit and Services Oversea Desk to ensure overall achievement of the commercial and superior banking sale target such as CASA growth, deposit balance, payroll, and payment. Build market network and conduct sales approaches to potential clients, especially key Taiwanese, Chinese or any oversea desk Individuals, SMEs and Corporate Clients. Make appointment and conduct sale presentation to promote deposit and premium banking services to potential target customers. Work with bank partnership and other relevant stakeholders to deal cross border transaction. Manage and build relationship with existing customers to maximize the cross-selling opportunities on all available financial products and services of the company. Develop and manage referral from both existing clients or other sources. Keep up-to-date the competitors’ information, including their products, services and other marketing activities. Keep up-to-date with AMK’s marketing’s activities, products & services, and its product and market proposition to ensure both new and existing customers could be well educated and leveraged as much as possible the opportunities to support their businesses. On-board new merchant and maintain existing merchant under target segment with proper visit. Contribute in customer referral or cross selling of other products if there is a need.
Manage daily cheque clearing operations through the National Bank of Cambodia (NBC). Oversee inward and outward cheque processing, return cheque, interbank transfer operations, exception handling, and all clearing transactions within prescribed cut-off times. Coordinate with branches and relevant departments to ensure smooth clearing operations with keeping inform customer on their cheque situation such as lack of money, lack of signature, and other problem. Ensure all transactions are processed accurately and in accordance with NBC regulations and internal SOP. Supervise local fund transfer processing through NBC payment systems and other approved transaction channels. Monitor the AMK Bank’s current account and reserve account maintained with NBC. Monitor the consolidated inventory report of all branches and HQ such as chequebook and bank’s cheque regularly and well keeping preparation. Coordinate with Treasury and Finance Departments regarding funding requirements. Ensure proper segregation of duties and maker-checker controls. Oversee daily reconciliation of clearing and interbank transactions. Prepare management reports and operational performance analyses. Ensure timely resolution of branch and customer inquiries related to clearing and interbank transactions. Manage customer complaints relating to cheque clearing, returned items, and transaction processing. Liaise with NBC, correspondent banks, local banks, payment service providers, and internal stakeholders. Represent the Bank in clearing and payment-related meetings when required. Other necessary tasks assigned by Operations Department.
Strategy and Planning: Contribute to and participate in key decisions of the Executive Committee to drive the strategic plan in line with AMK’s vision and mission Provide senior leadership with advice on the financial implications of existing business activities and the impact of new initiatives and regulatory developments Advise the Board of Directors on matters relating to Audit and Finance Committee, Board Asset and Liabilities Management Committee and the Social and Environment Committee Maintain strong positive relationships with all members of the management team and all stakeholders, including representing AMK externally with customers, lenders and regulators Seek, evaluate and implement appropriate and cost effective investments in all areas area of AMK’s operation, and develop performance measures in line with company’s strategic direction Design and implement the annual operating budgets and financial and fundraising strategies, including preparing annual budget plans and five-year strategic planning Coordinate and facilitate with all stakeholders to define business and system requirement for new system implementation or existing system enhancement. Operational Management: Direct and oversee all aspects of the Finance & Accounting functions, including but not limited to:Timely and accurate financial reporting, analysis, budgets, financial trends and forecasts Provide recommendations to strategically enhance financial performance and business opportunities, working alongside business departments to ensure that departmental and branch reporting supports high quality decision making Develop and maintain reporting which is fully compliant with international financial reporting standards and meets the requirements of all regulators, including the National Bank of Cambodia, General Department of Taxation and other relevant agencies Oversight of the Procurement function to ensure that process is robust, with a high level of integrity and transparency. Direct and oversee all aspects of the Treasury functions, including but not limited to:Overall Asset and Liability Management, including overseeing financial, liquidity and foreign exchange risk management Funding and Liquidity management, ensuring the optimization of the funding costs whilst minimization of the financial risks Capital planning and investment strategic development, to reduce AMK’s cost of funding and generate increased return on liquidity Develop and maintain strong professional relationships with lender and other stakeholders As a chair of the ESG Committee, develop the strategic framework for Environment, Social and Governance leadership and drive the development and implementation of policies, procedures and transparent reporting As chair of the CSR Committee, lead the Corporate Social Responsible activities and engagement across AMK’s staff and impact partners in line with the CSR strategy.
អេ អឹម ខេ គឺជាគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុដែលឈានមុខគេមួយក្នុងប្រទេសកម្ពុជា ដែលមានបណ្តាញប្រតិបត្តិការទូទាំង ប្រទេស។ បច្ចុប្បន្ននេះ អេ អឹម ខេ មានបុគ្គលិកជាង ៣,៧០០ នាក់ ដែលកំពុងបម្រើសេវាហិរញ្ញវត្ថុជូនដល់អតិថិជនប្រមាណជាង ១.០០០.០០០ នាក់ ក្នុងភូមិសរុបចំនួន ១៣.០០០ភូមិដែលស្មើនឹង ៩១ % ក្នុងប្រទេសកម្ពុជា។ ឥឡូវនេះ អេ អឹម ខេ ត្រូវការជ្រើសរើសបុគ្គលិកដែល មានសមត្ថភាព និងប្តេជ្ញាចិត្តខ្ពស់ចូលរួមជាមួយនឹងក្រុមការងារដ៏ច្រើនសម្បូរបែបនៅគ្រប់ការិយាល័យសាខា និងបណ្តានាយកដ្ឋានទាំងអស់ទូទាំងប្រទេស សម្រាប់បំពេញនូវតម្រូវការអាជីវកម្ម។ ចូលជាសមាជិកគ្រួសារ អេ អឹម ខេ លោកអ្នកមិនត្រឹមតែទទួលបាននូវប្រាក់បៀរវត្សរ៍មួយមុខប៉ុណ្ណោះទេ អេ អឹម ខេ និងជួយ អ្នកក្នុងការអភិវឌ្ឍសមត្ថភាព និងទេពកោសល្យការងារដើម្បីឆ្ពោះទៅរកភាពរីកចម្រើននាពេលអនាគត។ សម្របសម្រួលការបង្កើតធនាគារភូមិ និងអតិថិជនឯកត្តជន អនុវត្តន៍ការហ្វឹកហ្វឺន និងការប្រជុំប្រចាំខែជាមួយសមាជិកធនាគារភូមិ ផ្សព្វផ្សាយផលិតផលរបស់ អេ អឹម ខេ ជូនទៅដល់អតិថិជនគោលដៅ ធ្វើការវាយតំលៃកម្ចីរបស់អតិថិជន ធ្វើការប្រមូលនូវការសងប្រាក់ពីអតិថិជន​ និងការទំលាក់ទុន រក្សានូវកំណត់ត្រាចលនាសាច់ប្រាក់អោយបានទៀងទាត់។
Kampong Cham
2 day(s) ago
អេ អឹម ខេ គឺជាគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុដែលឈានមុខគេមួយក្នុងប្រទេសកម្ពុជា ដែលមានបណ្តាញប្រតិបត្តិការទូទាំង ប្រទេស។ បច្ចុប្បន្ននេះ អេ អឹម ខេ មានបុគ្គលិកជាង ៣,៧០០ នាក់ ដែលកំពុងបម្រើសេវាហិរញ្ញវត្ថុជូនដល់អតិថិជនប្រមាណជាង ១.០០០.០០០ នាក់ ក្នុងភូមិសរុបចំនួន ១៣.០០០ភូមិដែលស្មើនឹង ៩១ % ក្នុងប្រទេសកម្ពុជា។ ឥឡូវនេះ អេ អឹម ខេ ត្រូវការជ្រើសរើសបុគ្គលិកដែល មានសមត្ថភាព និងប្តេជ្ញាចិត្តខ្ពស់ចូលរួមជាមួយនឹងក្រុមការងារដ៏ច្រើនសម្បូរបែបនៅគ្រប់ការិយាល័យសាខា និងបណ្តានាយកដ្ឋានទាំងអស់ទូទាំងប្រទេស សម្រាប់បំពេញនូវតម្រូវការអាជីវកម្ម។ ចូលជាសមាជិកគ្រួសារ អេ អឹម ខេ លោកអ្នកមិនត្រឹមតែទទួលបាននូវប្រាក់បៀរវត្សរ៍មួយមុខប៉ុណ្ណោះទេ អេ អឹម ខេ និងជួយ អ្នកក្នុងការអភិវឌ្ឍសមត្ថភាព និងទេពកោសល្យការងារដើម្បីឆ្ពោះទៅរកភាពរីកចម្រើននាពេលអនាគត។ ផ្សព្វផ្សាយផលិតផល និងធ្វើការលក់សេវាកម្មនានា ផ្នែកឥណទានរបស់ អេ អឹម ខេ ជូនដល់អតិថិជនគោលដៅ ជួយរៀបចំគម្រោងចុះផ្សព្វផ្សាយ និងគម្រោងផែនការលក់ ជួយរៀបចំឯកសារឬដំណើរការនានា ដើម្បីពន្លឿនដល់ការទម្លាក់ទុនកម្ចីជូនដល់អតិថិជន ជួយណែនាំអតិថិជនគោលដៅ ឱ្យមកប្រើប្រាស់ផលិតផលឬសេវាកម្មរបស់ អេ អឹម ខេ សិក្សាស្វែងយល់ និងផ្ដល់ជាគំនិតកែលំអបន្ថែមដើម្បីពង្រីកវិសាលភាពរបស់ អេ អឹម ខេ រក្សាទំនាក់ទំនងល្អជាមួយក្រុមការងារ អតិថិជន និងភាគីពាក់ព័ន្ធនានា ជួយសម្របសម្រួលការងារផ្សេងៗទៀតប្រសិនបើមានការស្នើសុំ។
អេ អឹម ខេ គឺជាគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុដែលឈានមុខគេមួយក្នុងប្រទេសកម្ពុជា ដែលមានបណ្តាញប្រតិបត្តិការទូទាំង ប្រទេស។ បច្ចុប្បន្ននេះ អេ អឹម ខេ មានបុគ្គលិកជាង ៣,៧០០ នាក់ ដែលកំពុងបម្រើសេវាហិរញ្ញវត្ថុជូនដល់អតិថិជនប្រមាណជាង ១.០០០.០០០ នាក់ ក្នុងភូមិសរុបចំនួន ១៣.០០០ភូមិដែលស្មើនឹង ៩១ % ក្នុងប្រទេសកម្ពុជា។ ឥឡូវនេះ អេ អឹម ខេ ត្រូវការជ្រើសរើសបុគ្គលិកដែល មានសមត្ថភាព និងប្តេជ្ញាចិត្តខ្ពស់ចូលរួមជាមួយនឹងក្រុមការងារដ៏ច្រើនសម្បូរបែបនៅគ្រប់ការិយាល័យសាខា និងបណ្តានាយកដ្ឋានទាំងអស់ទូទាំងប្រទេស សម្រាប់បំពេញនូវតម្រូវការអាជីវកម្ម។ ចូលជាសមាជិកគ្រួសារ អេ អឹម ខេ លោកអ្នកមិនត្រឹមតែទទួលបាននូវប្រាក់បៀរវត្សរ៍មួយមុខប៉ុណ្ណោះទេ អេ អឹម ខេ និងជួយ អ្នកក្នុងការអភិវឌ្ឍសមត្ថភាព និងទេពកោសល្យការងារដើម្បីឆ្ពោះទៅរកភាពរីកចម្រើននាពេលអនាគត។ សម្របសម្រួលការបង្កើតធនាគារភូមិ និងអតិថិជនឯកត្តជន អនុវត្តន៍ការហ្វឹកហ្វឺន និងការប្រជុំប្រចាំខែជាមួយសមាជិកធនាគារភូមិ ផ្សព្វផ្សាយផលិតផលរបស់ អេ អឹម ខេ ជូនទៅដល់អតិថិជនគោលដៅ ធ្វើការវាយតំលៃកម្ចីរបស់អតិថិជន ធ្វើការប្រមូលនូវការសងប្រាក់ពីអតិថិជន​ និងការទំលាក់ទុន រក្សានូវកំណត់ត្រាចលនាសាច់ប្រាក់អោយបានទៀងទាត់។
អេ អឹម ខេ គឺជាគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុដែលឈានមុខគេមួយក្នុងប្រទេសកម្ពុជា ដែលមានបណ្តាញប្រតិបត្តិការទូទាំង ប្រទេស។ បច្ចុប្បន្ននេះ អេ អឹម ខេ មានបុគ្គលិកជាង ៣,៧០០ នាក់ ដែលកំពុងបម្រើសេវាហិរញ្ញវត្ថុជូនដល់អតិថិជនប្រមាណជាង ១.០០០.០០០ នាក់ ក្នុងភូមិសរុបចំនួន ១៣.០០០ភូមិដែលស្មើនឹង ៩១ % ក្នុងប្រទេសកម្ពុជា។ ឥឡូវនេះ អេ អឹម ខេ ត្រូវការជ្រើសរើសបុគ្គលិកដែល មានសមត្ថភាព និងប្តេជ្ញាចិត្តខ្ពស់ចូលរួមជាមួយនឹងក្រុមការងារដ៏ច្រើនសម្បូរបែបនៅគ្រប់ការិយាល័យសាខា និងបណ្តានាយកដ្ឋានទាំងអស់ទូទាំងប្រទេស សម្រាប់បំពេញនូវតម្រូវការអាជីវកម្ម។ ចូលជាសមាជិកគ្រួសារ អេ អឹម ខេ លោកអ្នកមិនត្រឹមតែទទួលបាននូវប្រាក់បៀរវត្សរ៍មួយមុខប៉ុណ្ណោះទេ អេ អឹម ខេ និងជួយ អ្នកក្នុងការអភិវឌ្ឍសមត្ថភាព និងទេពកោសល្យការងារដើម្បីឆ្ពោះទៅរកភាពរីកចម្រើននាពេលអនាគត។ សម្របសម្រួលការបង្កើតធនាគារភូមិ និងអតិថិជនឯកត្តជន អនុវត្តន៍ការហ្វឹកហ្វឺន និងការប្រជុំប្រចាំខែជាមួយសមាជិកធនាគារភូមិ ផ្សព្វផ្សាយផលិតផលរបស់ អេ អឹម ខេ ជូនទៅដល់អតិថិជនគោលដៅ ធ្វើការវាយតំលៃកម្ចីរបស់អតិថិជន ធ្វើការប្រមូលនូវការសងប្រាក់ពីអតិថិជន​ និងការទំលាក់ទុន រក្សានូវកំណត់ត្រាចលនាសាច់ប្រាក់អោយបានទៀងទាត់។
Kampong Speu
1 week ago
អេ អឹម ខេ គឺជាគ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុដែលឈានមុខគេមួយក្នុងប្រទេសកម្ពុជា ដែលមានបណ្តាញប្រតិបត្តិការទូទាំង ប្រទេស។ បច្ចុប្បន្ននេះ អេ អឹម ខេ មានបុគ្គលិកជាង ៣,៧០០ នាក់ ដែលកំពុងបម្រើសេវាហិរញ្ញវត្ថុជូនដល់អតិថិជនប្រមាណជាង ១.០០០.០០០ នាក់ ក្នុងភូមិសរុបចំនួន ១៣.០០០ភូមិដែលស្មើនឹង ៩១ % ក្នុងប្រទេសកម្ពុជា។ ឥឡូវនេះ អេ អឹម ខេ ត្រូវការជ្រើសរើសបុគ្គលិកដែល មានសមត្ថភាព និងប្តេជ្ញាចិត្តខ្ពស់ចូលរួមជាមួយនឹងក្រុមការងារដ៏ច្រើនសម្បូរបែបនៅគ្រប់ការិយាល័យសាខា និងបណ្តានាយកដ្ឋានទាំងអស់ទូទាំងប្រទេស សម្រាប់បំពេញនូវតម្រូវការអាជីវកម្ម។ ចូលជាសមាជិកគ្រួសារ អេ អឹម ខេ លោកអ្នកមិនត្រឹមតែទទួលបាននូវប្រាក់បៀរវត្សរ៍មួយមុខប៉ុណ្ណោះទេ អេ អឹម ខេ និងជួយ អ្នកក្នុងការអភិវឌ្ឍសមត្ថភាព និងទេពកោសល្យការងារដើម្បីឆ្ពោះទៅរកភាពរីកចម្រើននាពេលអនាគត។ ផ្សព្វផ្សាយផលិតផល និងធ្វើការលក់សេវាកម្មនានា ផ្នែកឥណទានរបស់ អេ អឹម ខេ ជូនដល់អតិថិជនគោលដៅ ជួយរៀបចំគម្រោងចុះផ្សព្វផ្សាយ និងគម្រោងផែនការលក់ ជួយរៀបចំឯកសារឬដំណើរការនានា ដើម្បីពន្លឿនដល់ការទម្លាក់ទុនកម្ចីជូនដល់អតិថិជន ជួយណែនាំអតិថិជនគោលដៅ ឱ្យមកប្រើប្រាស់ផលិតផលឬសេវាកម្មរបស់ អេ អឹម ខេ សិក្សាស្វែងយល់ និងផ្ដល់ជាគំនិតកែលំអបន្ថែមដើម្បីពង្រីកវិសាលភាពរបស់ អេ អឹម ខេ រក្សាទំនាក់ទំនងល្អជាមួយក្រុមការងារ អតិថិជន និងភាគីពាក់ព័ន្ធនានា ជួយសម្របសម្រួលការងារផ្សេងៗទៀតប្រសិនបើមានការស្នើសុំ។
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