Ekphathana Deposit Taking Microfinance Institution


Ekphatthana Microfinance Institution (EMI) is the first licensed microfinance institution to operate in Lao PDR under the government’s new Microfinance regulations issued in 2005.

Numerous studies have shown there is a strong unmet demand for sustainable financial services throughout Lao PDR. EMI’s purpose is to meet this demand. We aim to do this by offering appropriate and innovative financial products for our clients. Our organisation’s core priorities focus on the international good practice principles for Microfinance Institutions.

EMI offers currently offers both savings and loan products to its customers. 


EMI was created as a private Lao company with a start-up capital of $100,000 USD from ten shareholders.

EMI disbursed its first loan in April 2006. Preparation, licensing and staff recruitment took place between October 2005 and April 2006.

Throughout its Nine (9) years of establishment, EMI remains committed and focused on servicing the poor and middle income households without access to financial services.

As of December 31, 2014, EMI has over 61,355 savers, 11,083 active borrowers and an accumulated loan disbursement of 198 billion kip (approximately 24 Million USD).