Client Protection

1. Appropriate Product Design   and Delivery
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SAMIC designs and develops products and services based on customers’ needs and that do no harm. 
 
2. Prevention of Over-indebtedness                      
 
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SAMIC provides loans to customers with appropriate capacity repayment analysis and customer historical verification through Credit Bureau of Cambodia before disbursing a loan. 
 
3. Transparency                                                            
 
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SAMIC discloses to clients the complete, accurate and understandable information in Khmer language about the costs, product specifications, obligations and rights of the customers before they decide to accept our services. 
 
4. Responsible Pricing                                               
 
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SAMIC offers product pricing with reference to market pricing base ensuring that there is no discriminatory pricing and does not charge excessive fees from customers. 
 
5. Fair and Respectful Treatment of Clients           
 
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SAMIC is committed to respecting and treating both existing clients and potential clients through acceptable staff behaviors with excellent customer services to reflect SAMIC’s code of ethics. 
 
6. Privacy of Client Data                                              
 
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SAMIC ensures all client data are private and secured by using an appropriate technology system. All client data will not be disclosed unless required by law or permitted by client. 
 
7. Mechanisms for Complaints Resolution              
 
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SAMIC collects complaints and feedback from customers through standard of complaints resolution process. Phone call, e-mail, complaint box and customer survey will be conducted to collect data from customers to improve the products and services.

 

SOCIAL AND ENVIRONMENTAL RESPONSIBILITIES

  • Agriculture Training

    Agriculture Training

    Over 50% of SAMIC Plc clients are engaged in agriculture activities. To help these clients improve the agricultural output, in 2015 SAMIC Plc engaged Rural Lives Development Organization (RLDO), who ... Read more
  • Clean City

    Clean City

    On 22nd November 2014, SAMIC had conducted cleaning environment by collected garbage along the Ocheur Teal beach at Preah Sihanouk province in order to raise awareness of air pollution cause by ... Read more
  • One Client One Tree

    One Client One Tree

    To raise awareness of green environment to our clients and their communities, on 19 July 2014 SAMIC Plc launched an environmental campaign called ‘One Client One Tree’ in which 700 small ... Read more