| AFD |
Agence Française de Dévelopement (French Development Agency) |
| BoD |
Board of Directors |
| CD |
Certificate Deposit |
| CA |
Credit Agent |
| Credit Committee |
Committee created at the village level, whose members consist of a chief, a sub chief and borrowers |
| BM |
Brand Manager |
| Doubtful loan |
Loan in arrears of at least 3 months |
| EMT |
"Ennatien Moulethan Tchonnebat" in Khmer. In English, it means "Local Rural Credit" |
| NBC’s Prakas |
The promulgation of the National Bank of Cambodia |
| Ghost loan |
Loan disbursed to a group that does not actually exist and which is fraudulently used by third person |
| GRET |
Groupe de Recherche et d'Echanges Technologique
(Research and Technological Exchanges Group)
|
| Group loan product |
Loan distributed to a group of 5 people, whereby members of the group must
guarantee each other |
| IC |
Individual Credit |
| Impact study |
Study conducted to understand the effect of credit on the rural households |
| Maestria /Compta 100 |
Accounting software used by Amret |
| MBWin |
Microbanker Windows Version |
| PM |
Provincial Manager |
| PROPARCO |
Société de Promotion et de Participation dans la Coopération Economique
(Promotion and Participation in Economic Co-operation Company) |
| RDB |
Rural Development Bank |
| SC |
Solidarity Credit |
| SIDI |
Société d'Investissement et de Développement International
(International Investment and Development Company) |
| Village Association (VA) |
Association of borrowers in a village |
| HA |
Happy Account |
| GA |
Goal Account |
| WA |
Wealthy Account |
| KHR |
Khmer Riel (local currency in Cambodia) |
| USD |
United State Dollar (International currency) |
| Loan Portfolio |
Gross Loan Outstanding |
| Equity plus Quasi Equity |
Total Equity includes Subordinated Debt |
| Operational Self-Sufficiency |
Financial Income / (Financial Expense + Operational Expense + Loan Loss Provision) |
| Financial Self-Sufficiency |
Financial Income / (Financial Expense + Operational Expense + Loan Loss Provision+(Average Equity - Average Fixed Asset) * Inflation Rate) |
| Portfolio-at-Risk > 30 Days |
(Portfolio at Risk >30 Days to 365 Days (of overdue principle) + Restructure Loan) / Gross Loan Portfolio |
| Sage ACCPAC 5.2A |
Accounting software used by Amret |