Priciple and Value 0f CMSC Network

Our main principles and values

Solidarity	:	is expressed between members who save and members who borrow the money. Furthermore, cooperation among Credit Unions is developed, especially through the federation.
Proximity	:	is encouraged thanks to a wide network of Credit Unions. A real relationship is developed between the member and the Credit Union, based on reciprocal trust.
Equality	:	each member is considered equally, without taking into account the social or wealth level. Each member has the right to vote with the principle: 1 vote = 1 person.
Transparency	:	is mainly ensured thanks to the control of members, highly performing banking software and frequent audit.
Autonomy	:	Saving is used to provide Credit The network aims to reach sustainability to ensure financial and technical independency
Participation	:	Members participate economically with a capital share of 8000 Riel They participate as well in decision – making by voting during the Annual meeting and by electing representatives. Any members can participate, whatever the social or economical level.
Professionalism	:	CMSC benefits from the great expertise of the well-known French cooperative Bank, Credit Mutuel. CMSC ensures security and a high quality of service, thanks to banking software, skilled employees and well trained elected members.

We carry as well other values such as Self-responsibility, democracy, equity – honesty, openness, social responsibility and caring for others.