Ekhphathana Microfinance Institution Gets Asean Business Award


Ekhphathana Microfinance Institution (EMI) has won an Asean Business Awards Laos 2021, namely the Special Award for Sustainable Social Enterprise Excellence.

The award  was handed over recently by Lao National Chamber of Commerce and Industry (LNCCI)

Ekhphathana Microfinance Institution was recognised for its excellence and outstanding business, which provides a unique and standout service for clients under the slogan “Laos’ leading provider of responsible, sustainable financial services and education”.

The institution’s CEO Mr Somphone Sisenglath said “EMI’s vision is to be a leading microfinance institution in the Lao PDR offering efficient, modern and high-quality financial services to low- and medium-income households.”

EMI’s mission is also to offer a wide range of financial education services to low- and medium-income households to strengthen family livelihoods and business sustainability.

Our Background


Ekphatthana Microfinance Institution (EMI) is the first licensed microfinance institution to operate in Lao PDR under the government’s Microfinance regulations that was issued in 2005 and then updated in 2008.

EMI was created as a private Lao company with a start-up capital of $100,000 USD from ten shareholders. It disbursed its first loan in April 2006. Preparation, licensing and staff recruitment took place between October 2005 and April 2006.

EMI has been established in the time when Lao PDR has been striking to progress from the status of Least Developing Country (LDC) and is currently working hard to achieve the Millennium Development Goal (MDG) and poverty eradication. With this regards, microfinance sector has been considered as a mean to move country forward a market oriented economy and to encourage the transformation of subsistence farming to market oriented farming.

As numerous studies have shown that there is a strong unmet need for sustainable financial services throughout the Lao PDR, EMI’s purpose is to respond to this demand and strives to achieve this by offering suitable and innovative financial products to its clients. The organisation’s core priorities focus on complying in the international good practices and principles for microfinance institutions.

Throughout its fourteen (17) years of establishment, EMI remains committed and focused on servicing the poor and middle income households without access to financial services.

Vision and Mission



Vision:        EMI is leading microfinance institution in Lao PDR to offer effective (with modern technology), high-quality financial and non-

                        financial services to low- and medium-income households.

Mission:    EMI is offering responsibly a wide range of financial and financial education services to low- and medium-income households to                    strengthen their family livelihoods and businesses sustainably.



Our  Social  Goals




Goal 1:    EMI is offering excellent financial services enabling clients to grow sustainably their household and business assets and achieve                     their family goals.

Goal 2:    EMI is offering excellent financial education services enabling clients to manage their money wisely in meeting their household                        budget needs and growing their businesses.

Goal 3:    EMI is an equal opportunity employer which invests in the continuous education of its employees.

Goal 4:    EMI seeks long-term sustainability through financial viability while creating client value.



Our Cutomer


In addition to providing capital to customers, we also help promote marketing to customers so that they can reach more new and old customers. 

By producing video reviews and including live streaming via Facebook to help promote sales to customers as well.
Golden Orchard

Lifetime Business Episode: Golden Orchard

Another profession that helps to generate income for the family and support them until now

Mr. Prashit's story, a client of SKJH Ek Development who is a farmer who has a fruit garden, a fruit garden and many other fruits that he owns.

Let's listen together on the thoughts and happiness he gets from this profession

Interested in contacting him to buy fruit or inquire about cultivation methods

020 5699 3317