AMK (Angkor Microfinance Kampuchea) is a leading microfinance institution in Cambodia operating in over 6,000 villages with over 220,000 clients. AMK is the first microfinance institution to have operations in every province in Cambodia and they work in nearly half of all villages in Cambodia. The focus of AMK is on very poor clients in rural areas which is demonstrated in the average loan size is just $115.

AMK Has Received Numerous Prestigious Awards and Recognitions:
1. MFI Gold Certificate Award for Transparency in Social Performance Reporting presented by TheMIX and CGAP.
2. Runner up in the 2008 European Microfinance Awards.
3. Ranked as the Highest Microfinance Institute in Cambodia and in the Top 20 in the world in the 2006, 2007 and 2008 MIX Global 100 Composite Rankings based on outreach, efficiency and transparency.
4. CGAP Global Financial Transparency Award in 2005 and 2006.
5. Unitus Effectiveness Award

AMK’s Mission:
"To help large numbers of poor people to improve their livelihood options through the delivery of appropriate and viable microfinance services."

AMK's Guiding Principles:
1. AMK will provide microfinance services to poor people in Cambodia that are grounded in sound financial discipline at all levels.
2. AMK will be committed to openness and transparency in all areas of management and operations.
3. AMK will be committed to developing processes/services and to adopting behaviors and standards that ensure optimum social performance, including client protection.
4. AMK will be a learning organization where appropriate exchange and sharing of information will contribute to staff development, training and in policy and systems improvements.

AMK's Code of Practice for Client Protection:
1. Maximize the inclusion of the poor and other marginalized populations who meet AMK's other criteria for selection.
2. Minimize the exposure of (poor) clients to financial products that may prove harmful if they promote over-indebtedness.
3. Provide complete information to clients about policies and procedures, and ensure complete transparency in transactions.
4. Facilitate and promote complete freedom of choice to clients.
5. Ensure appropriate and respectful behavior of staff and management towards clients. AMK is currently launching a new program that partners with Hagar International to provide financial service and business development training to former sex trafficking victims. Ahkun will donate a percentage of all sales of products made by AMK clients to this program.

Delinquent Client Program

AMK is currently working on a new pilot to help their delinquent clients out of their debt. Traditionally, microfinance institutions would deal with delinquent clients by rescheduling their loan (which just pushes off the problem to another day) or through repossession. These are two methods AMK's board and management are looking to avoid by all means necessary. In this pilot, AMK will train delinquent clients to make products which Ahkun will sell on their website. The profits generated from each sale will go to the client so they can pay off their loan. AMK will even give their 25% to the client.

Special Interest Group Unit

AMK's Special Interest Group Unit (SIGU) was developed as an initiative to further reflect AMK’s mission, and to serve more ‘vulnerable’ groups that are currently underserved by microfinance services. These vulnerable groups include women who are victims of trafficking, domestic violence and other gender-based traumas, people living with HIV/AIDS, street people and children and people with disabilities.