Amret Social performance

Amret has clear social visions and missions to contribute to economic, social and environmental development in which focused on responsibility toward staff, clients and especially to environmental impact. After implementing its social mission, in the third quarter of 2019, Amret received noticeable achievements as follows:

Responsibility toward staff

Pay much attention to its employees is the core strategy that Amret implemented. In the third quarter of 2019, Amret took care of its employees by several programs as follows:


1,452 employees joined “staff capacity building” program

276 employees joined “talent management” program

1,225 employees received health and accident insurance for themselves

3,843 employees received health and accident insurance for their family

212 employees received three months of maternity leave with full salary payment.

Responsibility toward clients
1. Vocational and financial education programs

2,000 trainees participated in the agricultural trainings (881 were female)

897 trainees participated in the financial educations (808 were female)

300 students participated in a financial literacy workshop organized by the Ministry of Education, Youth and Sport sponsored by Amret.


2. Client’s poverty assessment

Amret has successfully finished the poverty assessment among its clients; the result of the assessment found only 6.3% of clients were below the National Poverty Line. The poverty rate of Amret clients decreased from 6.7% in 2017 to 6.3% in 2019.


3. Self-assessment of social mission implementation

In the first quarter of 2019, Amret has successfully finished a self-assessment of its social performance by using the Social Performance Indicators Version 4 (SPI4) for the assessment

4. Smart Campaign’s pilot project of Digital Client Protection Principles

Amret has successfully finished its collaboration with M-CRIL and Smart Campaign, International Rating Agency to assess the pilot project of digital client protection principles.

Responsibility toward the environment

All loan requests from 4,000,000 riel (equivalent currency), which intended to use in business or agriculture purposes, were required to assess the E&S risk level. Obviously, in the third quarter of 2019, approximately 45,000 loan requests were detected environmental and social risk.

38,963 loan requests detected the low environmental and social risk

5,958 loan requests detected the meduim environmental and social risk

79 loan requests detected the high environmental and social risk.

Educational video of “the adverse impact of plastic use” received 29,000 viewers through Amret’s Facebook and YouTube.

Educational banners of “waste management and plastic use” broadcasted in several markets in Phnom Penh and other provinces; a lot of garbage bins also offered to the chiefs of the markets for waste management and especially plastic waste management.

Amret initiated a new project by collaborated with Nexus, an International NGO that specializes in environmental conservation to conduct energy audits and to gauge the emission of greenhouse gas (GHG) to the atmosphere.

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