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Pillar IV: Enhancing professionalism and sustainability of CMA in coordinating for sustainable development of microfinance sector


Cambodia Microfinance Association (CMA) is committed to enhancing and sustainability of CMA in coordinating for sustainable development of microfinance sector. To achieve this, CMA has established several strategic objectives.

Strengthen Internal Control and Financial Performance Management

CMA prioritizes implementing a system of budget planning, monitoring, and accurate financial reporting. This ensures responsible management of funds and fosters transparency. Additionally, robust administration practices are upheld, including integrity-driven purchasing, procurement, inventory, and asset control. Annual audits are conducted, and any identified issues are addressed promptly through corrective actions. We review our internal statutes, manuals, policies, and guidelines to solidify a foundation of strong integrity, transparency, and accountability.

Build Strong Team and Culture

CMA recognizes the importance of a skilled and motivated workforce. We implement professional and high-quality recruitment practices to attract top talent. Investing in staff training ensures employees are aware of relevant policies and guidelines. Furthermore, CMA strives to foster a positive and productive work environment that upholds its core values. To enhance efficiency and effectiveness, we develop and implement a results-based framework. This framework is supported by a robust monitoring and reporting system, enabling the association to track progress towards our goals.

Enhancing Coordination and Collaboration

CMA plays a crucial role in coordinating and facilitating the work of CMA’s clubs, working groups, and committees. Through this collaboration, we ensure that our activities align with the broader priorities of the microfinance sector. To further support the sector's development, we actively build networks and affiliate our members with regulators and other relevant partners. We also manage the Annual General Assembly, fostering communication and collaboration among stakeholders.



Securing Sustainable Funding

To ensure our long-term financial sustainability, we conduct a comprehensive study to identify the needs of the microfinance sector and explore potential business and income generation opportunities. Based on this analysis, a well-defined business development and sustainability strategy was developed. In addition, we manage all contracts with donors, funders, and partners effectively. We implement business development and sustainability strategies to ensure that CMA has a secure and healthy operational budget, allowing it to continue serving the microfinance sector for years to come.


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