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      "author": "steemitboard",
      "body": "Congratulations @apccommunity! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@apccommunity/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@apccommunity) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=apccommunity)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "cheetah",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://medium.com/@info.asiapacificexchange/microfinance-institution-and-ideal-situation-of-the-social-contribution-16aeaa5b38ba",
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      "author": "apccommunity",
      "body": "Meaning of the social contribution by Microfinance institution\n![MEANING.png](https://cdn.steemitimages.com/DQmSRvrJzzYypzRvRdTDUqaH9jSoCp7EDKWwuMEzfmNs4r8/MEANING.png)\nWe think it’s the most effective method to support the poor directly by a microfinance institution out of a lot of ways to support the poor. Commonly, the main way to support the poor are through donation organizations, however to grasp the actual situation and judge for liability can be challenging as it is difficult to collect accurate information of the poor. In the case of a Microfinance Institution (MFI), this business activity such as lending leads to support the poor. MFIs confirm the information rooted in a business area to find clients. For this reason, MFIs know where the poor stay and recognize what they really want to have; this differentiates itself from donation organizations after receiving the request from the poor. For MFIs, their business can lead to support the poor and find accurate information connecting donations. Thus there are no additional human expenses to find areas that need support. Lastly, MFIs can offer cost effective support because MFI staff know local price of supporting items and services for the poor. From the above, we hope understanding our MFI business model and support for the poor have a high affinity, if so it would be possible for us to implement the social contribution more effectively compared to other institutions.\n\nIdeal situation of social contribution activities\n![IDEAL.png](https://cdn.steemitimages.com/DQmRdAv1JvMZGDRYEyTf71iqy4HFCipk7eGbuU8Nkj4PKU1/IDEAL.png)\nReferring to the orphanage situation, social contribution activities are required to be continuous. There are many cases in which single support systems don’t lead to fundamental resolution; it is therefore difficult for everybody, not only for the poor to use resources in a planned manner when funds or goods have been received. As many of the poor do not have the capabilities to use it in a planned manner, the lifestyle becomes temporary, immediately after the support has finished.\nEven if there is experience of having support, there is an observable tendency that the people get lazier by expecting to having support in the future. Therefore we should be deeply aroused that social contribution without persistence has a possibility to cause the poor more suffering. There needs to be a strong management base to continue and expand supporting the poor with persistence. This project supported by APF can implement social contribution activity more effectively and continuously. This support makes APF’s business stronger and does not make funds for donations for social contribution directly. This support will help APF to expand their business which will then allow APF to have information of the poor who need support. By expanding the business, APF will be possible to support the poor more effectively and continuously using their business profit. \nThis is a tangible achievement reachable by a strong management base, APF aims to be a Specialized Bank from a Microfinance institution.",
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      "body": "APF is supporting an orphanage continuously as social contribution activity. Currently it’s supporting the organization named 「Khmer Artist for Children Organization」. There are nearly 60 children that are based in this suburb area of Phnom Penh, Cambodia. Vichet Prom, Director of the orphanage is teaching art at a University in Cambodia and is engaged in restoring art treasures at foreign museums as a business while managing the orphanage.\nAt the Orphanage, food and shelter aren’t the only things offered as art education is instilled in the children as well. Children are able to be taught to go on their own in art field by the director who was awarded the art competition in the U.S.A. Mr. Prom, has taken the trained children to enter high leveled competition to compete with Adults to give the children life experience. Through these events, the director would like for them to experience the competitive spirit to help their emotional development.\n![SUPPORTING ORPHANS.png](https://cdn.steemitimages.com/DQmSaX9wWM6TtLkVCDzhaDnUVUoMeGjbW8wpF9vyYTbQQCi/SUPPORTING%20ORPHANS.png)\nDirector Prom, also has a mango plantation in the outskirt suburbs of Phnom Penh near Kandal Province, founded since 2000. The children stay around the plantation and aid in the harvesting and maintenance annually. Director Prom offers them foods and takes care of their lives; year by year, the number of children are increased. As told from the children, their parents are disabled to work due to having heavy diseases such as HIV, thus many of them are residing with relatives. He realized there was no space in their lives, for this reason, he decided to establish the orphanage to make environment for children go on their own in the future. Director Prom, started the orphanage from 2013 and expanded to three places temporary. But he closed two places in 2015 because he couldn’t meet the operation expenses and wasn’t able to get any continuous donation from outside. As one expansion was also coming to the end of its life, he had sold a part of his mango plantation. During that situation, Director Prom, met APF and was approved of a continuous donation. As a result, the children received more quality food and Mr. Vichet afford to accept more children.\nThere are orphanages with stable operations such as Director Prom’s foundation, however, there still remain a lot of orphanages that need help. It’s not enough to survive the orphanage by temporary support. Having continuous support is the most important thing for an orphanage operation.",
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      "body": "Introduction\nOur purpose is to make an accessible environment for ease of financial services available for people in South East Asia and all over the world on this project. To achieve this purpose, we intend to support the poor through our financial institution and offer epoch-making services compared to existing banking services through a cryptocurrency exchange platform.\n\n![INTRO.png](https://cdn.steemitimages.com/DQmcVSpJfNN3X5FXkcDVF9Zg7wXyHbQioDKY61ZGvCxffGJ/INTRO.png)\n\nWorld Poverty Population\nAccording to The World Bank, there are 736 million lives in extreme poverty all over the world in 2015. It’s less than USD 1.9/day to manage their life. There are 7,355 million lives in 2015 so 10% of world population are in poverty as you know. It’s decreasing year by year the poverty ratio in Cambodia and its ratio is 13.5% in 2014. We know it’s more decreased the extreme poverty ratio currently but there are still exist a lot of the poor in Cambodia.\n![POVERTY.png](https://cdn.steemitimages.com/DQmZrxzjH73PEoX7XZ9mp2usNfGdJ9Un8w1BTtxZ8ajyhvB/POVERTY.png)\n\nAccount holder Ratio in ASEAN\nThere are many poor people in Cambodia compared to other countries and also it’s not easy for them to access financial services in Cambodia. Cambodia has the lowest percentage of account holders ratio compared to other ASEAN countries except Brunei (Source: The Global Findex Database 2017). The reason why they are not able to make an account is due to there being no existing financial institutions around their living space, not able to pay the account maintenance fee and not enough funds to deposit for account. People don’t have an account are not able to borrow money from financial institutions. Thus now we can understand it’s difficult to make a beginning to exit from poverty in Cambodia. Our project would like contribute to solve these issues, decrease the poor and offer financial services to non-account-holders starting from Cambodia.\n![accholders-01.png](https://cdn.steemitimages.com/DQmZp8gE78pbon2S5ZADWKBdao5iKq3AwExenpTaxdM6zdd/accholders-01.png)",
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      "author": "partiko",
      "body": "[![](https://d1vof77qrk4l5q.cloudfront.net/statics/upsell-delegate-15-steem-power-2.png)](https://partiko-io.app.link/A27hLeUkgT)",
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      "body": "1. APC Feature - Price stability\n![FEATURE.png](https://cdn.steemitimages.com/DQmUVcwmTvH7yevPYXNfAPsUTipHJfyxL79SpQaFxb5WZTw/FEATURE.png)\nAfter launching the Peer to Peer Lending service and Indirect Lending service, it’s important to keep the stability of currency value which is used for the transaction. This precaution has been made due to the volatility of the market, Lender/Borrower will win/lose according to market price; to avoid this situation, we will work to continue the value of APC as 1 dollars of USD.\nWhen the stability is maintained we can further plans to continue sustainable development of our Peer to Peer service, which will in turn enhance the living standards of our users, thus increasing our user base and overall satisfaction across the board.\n\n2. APC Distribution\n![DISTRIBUTION-01.png](https://cdn.steemitimages.com/DQmX2HuD3K6m8Lgnkx6duGpVsZ8nZ2QPXH8u2UhJJGGMNLo/DISTRIBUTION-01.png)\nCommunity reward: 45%\nPrivate sales: 20%\nAPC fund: 15%\nStrategic partner: 5%\nFounding team: 15%\n\n3. APF Initial Coin Offering - Road map and Development\n![ROADMAP-01.png](https://cdn.steemitimages.com/DQmeARgm5C3vuGA3cxD6QcRzVUmNUpYsRaQ4V6BrPCGJFLf/ROADMAP-01.png)\n11/2018: Test (Cryptocurrency Exchange Platform) βversion\n12/2018: Start APX (Cryptocurrency Exchange Platform)\n03/2019: Issue debit card and start lending service\n12/2019: APF turns to Specialized Bank\nXX/20XX: start peer to peer lending service",
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      "body": "![P2PLENDING.png](https://cdn.steemitimages.com/DQmNiKsEjcXQGnjdFpsuxymiRsHUtCUK1zkFhqAZmiEE4We/P2PLENDING.png)\n\nPeer to Peer Lending Service\nThe peer to peer lending platform will be set to bind the lower class and cryptocurrency holders.\nAfter these main components work, APC’s liquidity will be enhanced and will be stabilized. The peer to peer lending platform will be set to bind the lower class and cryptocurrency holders. This platform implements lending from cryptocurrency holder to client and APF will support to appraise client as intermediator. APF will also support in cases of delayed repayment of client as servicer. For this role, APF will take commission when matching the deal. As there are people who are not able to use the internet and/or disabled to read and write documents, APF will take such a role to aid them. No matter how developed the lending apps on the internet are, it will not work unless they can show an accurate situation and correct information of potential clients. We believe it's important to protect lender’s rights through supporting borrowers for repayment in a planned concise way. For this point, APF has an important role for this platform.\n\n\nIndirect Lending  Service (Fixed deposit)\nThe above platform provides an indirect lending service, this is similar to banking system. This lending platform will take charge of APC coin from APC holders as a deposit and assure to pay back with fixed interest rates in the designated terms. APF will take responsibility to lend deposited APC to clients with appropriate interest rates which will enable APF to repay APC with interest through this platform. This means APC holders are able to make fixed deposits by cryptocurrency. \nIt’s an expected need to change the existing financial regulations drastically to establish this platform and it’s deep relationship with cryptocurrency regulations implemented by each country. We will try to fit this lending platform to their sovereign regulations and be adopted by many countries. By adopting this platform, everyone who has cryptocurrency will be able to lend to potential clients such as the poor directly from all over the world.",
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      "author": "cheetah",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttp://216.234.187.92/aboutus/terms.html",
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      "author": "apccommunity",
      "body": "![COMPONENT-01.png](https://cdn.steemitimages.com/DQmYR5diuST33Y5GsxT9dHzwai4oga91tScgZPZeM8bQbUa/COMPONENT-01.png)\n1st. Main component - Holding\nThe first main component is holding service. Handling fee dividend is the system to divide the 88% of total handling fee paid by traders to APC holders according to their holding ratio.\nAs an example, in case APX took USD 100,000 as handling fee for one business day, USD 88,000 will be paid to APC holders by their holding ratio the next business day. This dividend system implements every day.\nThe system to provide APC coin to traders who paid the handling fee for dealing. Providing APC amount is calculated instantly and set as equal to handling fee which a trader has paid.\n\n2nd. Main component - Trading\n2nd main component is Handling fee mining. It is the system to provide APC coin to traders who paid the handling fee for dealing. Providing APC amount is calculated instantly and set as equal to handling fee which a trader has paid. For example, in case trader pays Bitcoin 0.001 unit as handling fee, same value of APC is issued and provide to trader who paid Bitcoin 0.001 unit. APC’s first issue amount is 55% of total amount (488,888,888 coins) and rest of amount are provided to people who trade the cryptocurrency at APX as handling fee mining reward. For this reason, the total issue amount of APC will increase and APC holders ratios will dilute unless continue trading at APX. It’s the special feature of APX platform.  \nThis system will lead to attract traders to join this platform and encourage traders to deal frequently. When the issued amount faces the total amount (888,888,888 coins), APC will not be provided anymore. According to our offer of this breakthrough service, we’ll enhance the attractiveness, transparency, safety and persistence of the APX trading platform. \nThe system to divide the 88% of total handling fee paid by traders to APC holders according to their holding ratio.\n\n3rd. Main component – Debit card\nOur third main component is issuing a Debit card. We cooperate with big payment providers such as Visa and issue APX branded original debit card. This debit card will be issued to APX account holders with a simple application. A card holder is able to use the debit service after transferring the cryptocurrency to their debit account on the APX platform. When a user transfers the cryptocurrency to their debit account, it is automatically exchange to fiat currency. After this process, card holders are able to shop over 40 million shops in 200 countries and withdraw local currency at over 2.3 million ATMs all over the world. \nThere are conditions for using debit cards. APX users can use payment and withdrawal services to debit cards as long as they hold 888 APC at the individual account in APX.\nWe cooperate with big payment providers and issue APX branded original debit card.\n\n4th. Main component - Lending\nThe final of main component is a lending service. This service will be provided by cooperating with APF. Existing lending service is based on borrower’s credit situation. For this reason, some of people are not eligible to get a loan depending on various reasons; APF will offer them breakthrough lending services. APF will disburse loan whenever the client can provide major cryptocurrency such as Bitcoin, Ethereum and Ripple as collateral. Disburse amount is depended on it’s cryptocurrency value. This service makes it possible to provide financial services to those who were not able to access it before.\nCooperating with APF, APX will disburse loan whenever the client can provide major cryptocurrency as collateral.",
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      "author": "apccommunity",
      "body": "Issuing Cryptocurrency and operating our Cryptocurrency exchange platform\n\nAs we wrote on the introduction, it’s our purpose to contribute to the poor and make a suitable environment for people to access financial services more easily on this project. Finally its purpose is to operate a Peer to Peer lending service to bind the poor and cryptocurrency holders by APF. To achieve this goal, we’ll issue our original coin and establish the cryptocurrency exchange platform in Asian countries. This cryptocurrency exchange platform has three main components such as Trading, Debit card and Lending.\n\nOur Cryptocurrency – APC\n![APC COIN.png](https://cdn.steemitimages.com/DQmX5djTgcLFE4UvgK4XTXDjhgxRLwhZXRSeLT3dBmmugig/APC%20COIN.png)\nOriginal coin named APC coin is issued by this project. This is made by ERC20 and total issued\namount is 888,888,888 coins. The character of Number 8 means fertility in Japan and some Asian countries and means eternity in some European countries. Based on this, we issues 888,888,888 coins wish to contribute to enrich people's all over the world in the future.\n\nCryptocurrency Exchange Platform\n![EXCHANGEPLATFORM.png](https://cdn.steemitimages.com/DQmV1Aknv9vrvmh2xuAh1t3ctGJ8bwX3mDKWveTtdcEGzLC/EXCHANGEPLATFORM.png)\nWe adopted a cutting edge trading platform which has been adopted by top international companies. For this platform, we will offer safety and a stable trading environment to users. This\nplatform is named Asia Pacific Exchange (APX). APX will offer breakthrough services such as handling fee dividend, handling fee mining, debit card and lending.",
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      "author": "apccommunity",
      "body": "![APC COIN.png](https://cdn.steemitimages.com/DQmX5djTgcLFE4UvgK4XTXDjhgxRLwhZXRSeLT3dBmmugig/APC%20COIN.png)\n\nA cryptocurrency is a type of currency which is digital in its origins, it makes use of cryptography in order to secure its value and create new units of the currency.\nThey are also limited entries within the database which cannot be changed unless special conditions are applied.\n\nSome are designed to be decentralized and thus, having no entity to control the amount, production and value of the currency whilst others are centralized thus having entities to control the value of said crypto currency.\n\nIn a decentralized cryptocurrency, every single participant takes part in confirming that your transaction is legitimate; this is done by a public ledger that records all transactions that have happened within the network known as the BlockChain, meaning that everyone can see everyone account balance.\n\nTransactions are represented by files that consist of the Senders and Recipients public keys, wallet addresses and amount of currency exchanged. Every single transaction is one that needs to be signed off with a private key from the sender; when this is done, it is broadcasted to the entire network where it is checked by volunteers (Miners) who solve cryptographic puzzles presented by the transaction, once solved, it is saved and confirmed onto the network, legitimizing that the transaction was fair.\n\nEssentially, the legitimacy of the cryptocurrency network is confirmed by the entire consensus of the senders, recipients, and miners. Due to this system of BlockChain, it has been highly trusted with the utmost of safety.",
      "json_metadata": "{\"tags\":[\"blockchain\",\"platform\",\"apc\",\"apx\"],\"image\":[\"https://cdn.steemitimages.com/DQmX5djTgcLFE4UvgK4XTXDjhgxRLwhZXRSeLT3dBmmugig/APC%20COIN.png\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}",
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{
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      "author": "apccommunity",
      "body": "1. Meaning of the social contribution by Microfinance institution\n![microfinance.png](https://cdn.steemitimages.com/DQmVZ22rCjjdySeujzgUXoHttqopghDfL1LYAhDRcdF1f75/microfinance.png)\nWe think it’s the most effective method to support the poor directly by a microfinance institution out of a lot of ways to support the poor. Commonly, the main way to support the poor are through donation organizations, however to grasp the actual situation and judge for liability can be challenging as it is difficult to collect accurate information of the poor. In the case of a Microfinance Institution (MFI), this business activity such as lending leads to support the poor. MFIs confirm the information rooted in a business area to find clients. For this reason, MFIs know where the poor stay and recognize what they really want to have; this differentiates itself from donation organizations after receiving the request from the poor. For MFIs, their business can lead to support the poor and find accurate information connecting donations. Thus there are no additional human expenses to find areas that need support. Lastly, MFIs can offer cost effective support because MFI staff know local price of supporting items and services for the poor. From the above, we hope understanding our MFI business model and support for the poor have a high affinity, if so it would be possible for us to implement the social contribution more effectively compared to other institutions.\n\n2. Ideal situation of social contribution activities\n![IDEAL.png](https://cdn.steemitimages.com/DQmXiMwxoFQfwfdRDJXfbqXk5cRU5PrkqG73fuG12NfKLCc/IDEAL.png)\nReferring to the orphanage situation, social contribution activities are required to be continuous. There are many cases in which single support systems don’t lead to fundamental resolution; it is therefore difficult for everybody, not only for the poor to use resources in a planned manner when funds or goods have been received. As many of the poor do not have the capabilities to use it in a planned manner, the lifestyle becomes temporary, immediately after the support has finished.\nEven if there is experience of having support, there is an observable tendency that the people\nget lazier by expecting to having support in the future. Therefore we should be deeply aroused\nthat social contribution without persistence has a possibility to cause the poor more suffering. There needs to be a strong management base to continue and expand supporting the poor with persistence. This project supported by APF can implement social contribution activity more effectively and continuously. This support makes APF’s business stronger and does not make funds for donations for social contribution directly. This support will help APF to expand their business which will then allow APF to have information of the poor who need support. By expanding the business, APF will be possible to support the poor more effectively and continuously using their business profit. \nThis is a tangible achievement reachable by a strong management base, APF aims to be a Specialized Bank from a Microfinance institution.",
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{
  "block": 29121354,
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      "author": "apccommunity",
      "body": "![1.png](https://cdn.steemitimages.com/DQmQQc1DqDuZMFLaywYvRfb6Xo24Fzjt65CGrq7qhugCFZx/1.png)\n\nAPF is supporting an orphanage continuously as social contribution activity. Currently it’s supporting the organization named 「Khmer Artist for Children Organization」. There are nearly 60 children that are based in this suburb area of Phnom Penh, Cambodia. Vichet Prom, Director of the orphanage is teaching art at a University in Cambodia and is engaged in restoring art treasures at foreign museums as a business while managing the orphanage.\n\nAt the Orphanage, food and shelter aren’t the only things offered as art education is instilled in the children as well. Children are able to be taught to go on their own in art field by the director who was awarded the art competition in the U.S.A. Mr. Prom, has taken the trained children to enter high leveled competition to compete with Adults to give the children life experience. Through these events, the director would like for them to experience the competitive spirit to help their emotional development.\n\n![2.png](https://cdn.steemitimages.com/DQmP9CzG8hxRzHA39tA2aBU5MAXvCeqJ5dZxM3vDfvkQ9he/2.png)\n\nDirector Prom, also has a mango plantation in the outskirt suburbs of Phnom Penh near Kandal Province, founded since 2000. The children stay around the plantation and aid in the harvesting and maintenance annually. Director Prom offers them foods and takes care of their lives; year by year, the number of children are increased. As told from the children, their parents are disabled to work due to having heavy diseases such as HIV, thus many of them are residing with relatives. He realized there was no space in their lives, for this reason, he decided to establish the orphanage to make environment for children go on their own in the future. Director Prom, started the orphanage from 2013 and expanded to three places temporary. But he closed two places in 2015 because he couldn’t meet the operation expenses and wasn’t able to get any continuous donation from outside. As one expansion was also coming to the end of its life, he had sold a part of his mango plantation. During that situation, Director Prom, met APF and was approved of a continuous donation. As a result, the children received more quality food and Mr. Vichet afford to accept more children.\n\nThere are orphanages with stable operations such as Director Prom’s foundation, however, there still remain a lot of orphanages that need help. It’s not enough to survive the orphanage by temporary support. Having continuous support is the most important thing for an orphanage operation.",
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{
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      "body": "I. Our current activity in Cambodia\n\n![1.png](https://cdn.steemitimages.com/DQme7U7FnksZ59qweZVY7EfpMeu2S1TcXKsGYXeYp3CARya/1.png)\n\nCurrently, API is assisting a Microfinance institution* called Asia Pacific Finance Plc. (APF). APF was founded by the Japanese and obtained a business license from the National Bank of Cambodia 2015. Therefore APF has been operating microfinance business since 2015. APF’s performance are as stated below.\n- Maximum Interest rate : 1.5%/month (18%/annum)\n- Lending range : USD 5,000 — USD 15,000\n- Collateral : Appraisal real estate (lend up to 50% of value)\n- Credit losses** : 0% since founding\nAPF is also focusing on social contribution activities supporting orphans continuously and clean up activity in Phnom Penh, Capital of Cambodia.\n*Microfinance is the extension of small loans to the very poor, in combination with other financial services, such as savings facilities, training, health services, networking, and peer support. This allows them to pursue entrepreneurial projects that generate extra income, thus helping them to better provide for themselves and their families. (Source: Microcredit Summit Campaign “What is Microfinance”)\n**Over 30 days after repayment due date\n\nII. Clean-up Activity\n\n![2.png](https://cdn.steemitimages.com/DQmZdXGXc2LwhKBfLebh65C9TK5oTVhqbhce4LAmt7QAU74/2.png)\n\nAPF does clean-up activity in Phnom Penh as another social contribution activity. This includes promotion of the Company; there are a lot of rubbish you can see on the roadsides and public areas in Phnom Penh. Majority of the residents do not worry of the implications of neglected waste so they end up littering. Against this situation, APF recruits volunteers for cleaning initiatives during holidays. There are at least 20–30 attendees for each time as our employee families come to this activity.\nFor now, Orphanage children also attend this activity so this activity turns bigger and bigger. We realize that this activity influences people’s moral development and has a ripple effect because many people walking around us did help us while we were cleaning up. And this activity also lead to improve employee’s moral and their sense of responsibility. As the result of these activities, APF was admitted to enter into the Foundation for the Support of The United Nations (FSUN) 2017. FSUN is the Association for supporting the United Nation activity and APF is capable to support UN’s activities as a member of FSUN. APF will contribute to society through these activities with FSUN’s goal “Give happiness and peace to people all over the world”.",
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      "author": "apccommunity",
      "body": "I. Introduction\nOur purpose is to make an accessible environment for ease of financial services available for people in South East Asia and all over the world on this project. To achieve this purpose, we intend to support the poor through our financial institution and offer epoch-making services compared to existing banking services through a cryptocurrency exchange platform.\n\n![1.jpeg](https://cdn.steemitimages.com/DQmeM35bbpZgswwTWJVtioPEz7diRcZgXjZ5U73eUd1mzjM/1.jpeg)\n\nII. World Poverty Population\nAccording to The World Bank, there are 736 million lives in extreme poverty all over the world in 2015. It’s less than USD 1.9/day to manage their life. There are 7,355 million lives in 2015 so 10% of world population are in poverty as you know. It’s decreasing year by year the poverty ratio in Cambodia and its ratio is 13.5% in 2014. We know it’s more decreased the extreme poverty ratio currently but there are still exist a lot of the poor in Cambodia.\n\n![2.png](https://cdn.steemitimages.com/DQmZyMkEAZu9eoP2Up3aptp488LGDP25KvkiXjeZxRPAg1a/2.png)\n\nIII. Account holder Ratio in ASEAN\nThere are many poor people in Cambodia compared to other countries and also it’s not easy for them to access financial services in Cambodia. Cambodia has the lowest percentage of account holders ratio compared to other ASEAN countries except Brunei (Source: The Global Findex Database 2017). The reason why they are not able to make an account is due to there being no existing financial institutions around their living space, not able to pay the account maintenance fee and not enough funds to deposit for account. People don’t have an account are not able to borrow money from financial institutions. Thus now we can understand it’s difficult to make a beginning to exit from poverty in Cambodia. Our project would like contribute to solve these issues, decrease the poor and offer financial services to non-account-holders starting from Cambodia\n\n![3.jpeg](https://cdn.steemitimages.com/DQmcUv8fZcBQvd3QPHN6SziLv27GbygkK7hcrUGkqZJBHE1/3.jpeg)",
      "json_metadata": "{\"tags\":[\"blockchain\",\"platform\",\"apc\",\"apx\"],\"image\":[\"https://cdn.steemitimages.com/DQmeM35bbpZgswwTWJVtioPEz7diRcZgXjZ5U73eUd1mzjM/1.jpeg\",\"https://cdn.steemitimages.com/DQmZyMkEAZu9eoP2Up3aptp488LGDP25KvkiXjeZxRPAg1a/2.png\",\"https://cdn.steemitimages.com/DQmcUv8fZcBQvd3QPHN6SziLv27GbygkK7hcrUGkqZJBHE1/3.jpeg\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}",
      "parent_author": "",
      "parent_permlink": "blockchain",
      "permlink": "all-about-apc-project",
      "title": "All About APC Project"
    }
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  "timestamp": "2018-12-28T02:01:39",
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