The largest retail branch bank network is built in one of the most formidable environments in the world. This book takes the journey from Year Zero to the present, tracing the trials and triumphs of a group of people as they built an employment generation project for demobilized soldiers in 1992 into the largest commercial retail bank branch network in Cambodia by 2003. Along the way they influenced the nation s financial system and stimulated a banking industry that serves poor and low-income people. The book offers a tantalizing analysis of events, organizational dynamics and a business model thatincorporates profit and purpose. It examines the transition from the microfinance field that is jealously guarded by donors to a breakthrough response of commercial banking for the people.

Part I: Heritage: Chapter 1: Combodia and the Banking System

Chapter 2: The Accidental Organization
Part II: Discovery: Chapter 3: Exploring the "Marketspace"
Chapter 4: Crossroads
Chapter 5: Latitude to Grow
Part III: Velocity: Chapter 6: Confidence: The "Flywheel" Turns
Chapter 7: Union
Part IV: Odyssey: Chapter 8: To Play by the Rules of the Game
Chapter 9: Inspiration: From the Andes to the Mekong
Chapter 10: Invitation
Part V: Momentum: Chapter 11: The Bank You Can Trust
Chapter 12: Commercial Microfinance and Poverty
Chapter 13: Yesterday, Today and Tomorrow.