Since I joined business in Cambodia microfinance sector with Microfinance Institution SAMPORN SAMAKUM SAHAKREAS THUNTOCH NEUNG MATJUM KAMPUCHEA PLC. I have been satisfied and excited about the achievements of previous years. This microfinance Institution is a fast growing institution and the market of microfinance have the opportunity, both presently and in the future. It is good and pleasure to contribute to Cambodia's economic growth through our business. It's also a good thing and It is interesting for me to develop a very interesting business for Cambodia's financial markets are growing. We focused on the initial response to customer demands from the fund since its establishment. We will prioritize to instruct and train our staff, and we also want to be an institute that can advise clients on their business model and future cash flow. We will do our best to contribute to Cambodia's economic growth and will continue to support the Cambodian people through our business by providing loans to Small Medium Enterprise ( SMEs.) On behalf of the Board of Directors and the shareholders of the Microfinance Institution SAMPORN SAMAKUM SAHAKREAS THUNTOCH NEUNG MATJUM KAMPUCHEA PLC. I am delighted to receive the results we have achieved. In the year 2019, I am very grateful to the management and management as well as to all the staff who have worked hard to change. We take care of our past work and contribute valuable ideas to our establishment, and I would like to thank customers of this Institution have been confidential and thank our partners, businessmen, and Cambodian Microfinance Association as well as The National Bank of Cambodia, which always helps our institution.