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.

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