Commune Enterprise

Karuna Cambodia provides the seed fund. Rural families organize the club.
The club uses the interest free fund to start the business.
The club returns the capital after the completion of the project.
The next club of entrepreneurs is formed.
The cycle continues …

Rural farmers are small scale land holders, often working more than one business, producing for income and home consumption, with little or no access to banking services, low education, low productivity.
Karuna Cambodia challenges them to organize regional club to combat these obstacles.
Members of the club are collectively accountable for preserving and growing of the equity of club comes from the member use of club capital.

The poor, uneducated Cambodians struggling for survival and living a tough life have little or no access to banking system. They are forced to take loan from middlemen at interests rates 40-120 percent. To repay these loans, they have to work hard all their life and in many instances have to forfeit their land/house.

  • Karuna Cambodia challenges them to organize regional club to combat these obstacles.
  • Karuna Cambodia recognizes the importance of people and communities defining their own needs and working together to meet those needs.
  • The purpose of the “Karuna Commune Enterprise” is to provide effective and democratic means to put decision-making into the hands of those who care about the betterment of the members of their community.

Purpose and Impact


  • To allow poor households to make the transformation from “every-day survival” to “planning for the future” by providing access to seed of funding, interest free.
  • Giving hope of a new life to someone, who has only been dreaming of it

Principle


Seven guiding principles:

  1. Voluntary and open membership
  2. Democratic member control
  3. Member economic participation
  4. Autonomy and independence
  5. Education, training, and information
  6. Co-operation among co-operatives
  7. Concern for community

Three core functions:


  1. Marketing products: Increased access to the marketplace
  2. Purchasing supplies: Access to quality supplies at the right time
  3. Providing services: Available at reasonable cost

The poor, uneducated Cambodians struggling for survival and living a tough life have little or no access to banking system. They are forced to take loan from middlemen at interests rates 40-120 percent. To repay these loans, they have to work hard all their life and in many instances have to forfeit their land/house.

  • Karuna Cambodia challenges them to organize regional club to combat these obstacles.
  • Karuna Cambodia recognizes the importance of people and communities defining their own needs and working together to meet those needs.
  • The purpose of the “Karuna Commune Enterprise” is to provide effective and democratic means to put decision-making into the hands of those who care about the betterment of the members of their community.

You Can make a difference


If you are a successful businessman, member of the commune council, teacher of local school or local religious leader !!!
Volunteer as Trustee to set policies, guidelines and to oversee the operation of the Club. Contact: Karuna Cambodia (Karuna.Cambodia@gmail.com)

Donate Now to transform poor households from “every-day survival” to “planning for the future”

Make check payable to KARUNA CAMBODIA and mail to 8309 Vernelle Ln., Henrico, VA 23229

Basket making     $15    Watermelon seed     $15   Corn farming      $112    Chicken farming      $160

Every gift is appreciated. Every gift counts.