AMRET

AMRET In 1991, GRET, a French NGO, set up an experimental project to deliver micro credit to the rural population of Cambodia , the experiment was successful and became known in 1995 as Ennatien Moulethan Tchonnebat (EMT) which became a Private Limited Company in 2000, and received an MFI license in 2001. EMT was renamed as "Amret" on June 14, 2004. Website:www.amret.com.kh

Angkor ACE Star Credits

Angkor ACE Star Credits Limited (AASC), fund by Angkor ACE Star Holding, is a financial institution licensed by National Bank of Cambodia on 19th Octobers 2010 to offer financial service to Cambodian People who are willing to be the real entrepreneur. The overall purpose of the institution is to strengthen and expand healthy micro finance services to Cambodian People and to participate in development of micro and small enterprises be more active to boost Cambodian economy growth. The institution observes highest principle to implement the law and circular issued by Royal Government and National Bank of Cambodia.

Address: #99, St. 274 (Preah Sihanouk Blvd), Chak tomouk, Daun Phen, Phnom Penh, Kingdom of Cambodia.
Tel: 855-23 224 224 -- Fax: 855-23 224 704
E-mail: sooho114@gmail.com

Cam Capital

Cam Capital Plc.(Cam Capital) is a limited company licensed by the National Bank of Cambodia as Microfinance Institution and fully owned by international shareholders. Cam Capital has done its operations since February, 2010.

Main business is to provide financial services to all kinds of individuals and small and medium sized enterprises (SMEs).

Address: # 689B, Kampucheakrom Blvd, Sangkat Teuk Laak1, Khan Toul Kork, Phnom Penh, Kingdom of Cambodia.
Tel: 023 999 990
Fax: 023 996 002
Contact E-mail: info@camcapital.biz

CAMMA MICROFINANCE

CAMMA MICROFINANCE LIMITED (Camma) is a limited company licensed by the National Bank of Cambodia as Microfinance Institution since 29th July 2010. CAMMA MICROFINANCE LIMITED has full permission to provide loan service to all Cambodian people who are micro, small, medium entrepreneur and who want to expend or establish a new business.

Address: No. 49, Rue Oknha Chrun Youhak (St. 294), Sangkat Boeung Keng Kang I, Khan Chankar Morn, Phnom Penh, Kingdom of Cambodia
Tel : 023 996 936
Fax : 023 996 937
E-mail : camma.mfi@gmail.com

Cambodian Business Integrated in Rural Development

Cambodian Business Integrated in Rural Development (CBIRD) was established in 2000, and registered with the NBC as a Rural Credit Operator in 2002. CBIRD became a Micro Finance Institution, in 2005. CBIRD has two main activities: Cash credit Operations and Saving Mobilization in 5 provinces/cities: Banteay Meanchey, Battambang, Pailin City , Prey Veng and Siem Reap. CBIRD is focused on poor farmers living in remote areas who are not able to improve their living standard, because of the lack of funding for improving agricultural ventures and small business in their community.

Website: www.cbird.com.kh

CHAMROEUN MICROFINANCE

CHAMROEUN MICROFINANCE LIMITED (CHAMROEUN) was launched in March of 2006 as a project of Entrepreneurs du Monde (EdM) an international French NGO to play a role for providing financial and non financial services to supporting families in urban depressed areas in Cambodia. In 2009, Chamroeun was registered as limited liability Company from Ministry of Commerce, and also recognized as Rural Credit Operator from Nation Bank of Cambodia.

Address: #42D, Street 320, Sangkat Boeng Keng Kong III, Khan Chamkar Morn, Phnom Penh- PO Box 1113.
Website: www.chamroeun.com
E-mail: info@chamroeun.com
Tel: 023 987 556

Entean Akpevath Pracheachun

Entean Akpevath Pracheachun (EAP)

is a Microfinance Institution (MFI) owned by 16 shareholders and obtained an MFI license from the National Bank of Cambodia on 10 January 2007. EAP's mission is to contribute to socio-economic development of Cambodia by providing micro-finance services to customers and entrepreneurs who wish to create or expand Small and Medium Enterprises to increase employment opportunities and raise the standard of living within rural and urban communities. E-mail: eapcredit@yahoo.com

Farmer Finance

Farmer Finance Ltd., (FarmerFinance) was founded in September, 2007 by a group of investors with the objective of providing financial services to low income clients through small loans to individuals, groups and small to medium-sized enterprises (SMEs) and also especially to the agricultural sectors.

Farmer Finance Ltd aims to contribute to the economic and social progress of rural Cambodia by making credit available to those who lack access to loans from traditional commercial banks. By making credit available to the rural poor, FF's clients, using their natural skills and harnessing their entrepreneurial spirit, are given the opportunity to engage in new and improving existing businesses.

FF's vision is to improve the livelihood to the people of Cambodia through its mission of providing affordable credit to the smaller business people especially in the rural areas.

Address: Nº 1071, National Road Nº 2, Sangkat Chak Angre Leu, Khan Mean Chey, Phnom Penh, Kingdom of Cambodia.
E-Mail: leenamster@gmail.com

Farmer Union Development Fund

Farmer Union Development Fund (FUDF) is a Private Limited Company that was received License from National Bank of Cambodia on June 19, 2008 to conduct Micro Finance Business in Cambodia. The purposes of FUDF are following:

• Promote agriculture sector especially working with Angkor Kasekam Roongroeung Co., Ltd., the largest rice grower with current more than 30,000 members in 4 provinces of Cambodia
• Finance rice seed, rice paddy, machine equipments and natural fertilizer to farmers
• Providing micro financing to customers for other purposes
• Lifting the living standard of the people of Cambodia

Address: #753, Mounivong Blvd., Khan Chamkarmon, Phnom Penh, Kingdom of Cambodia.
Tel: +(855)-23-364-005 / Fax: +(855)-23-726-400
Email: arnusorn70@hotmail.com

First Finance PLC

First Finance PLC (FirstFinance)is a joint venture company established between Cambodia-based First Home Plc, Singapore-based Phillip Capital, and Luxembourg-based Insitor Fund. The company was granted its license on 23rd April 2009 by the National Bank of Cambodia, and became the first financial institution specialized in housing finance in Cambodia. The company is focused on providing a long-term Home Loan and medium-term Home Improvement Loans to underserved low-middle income Cambodian households who do not have access to formal commercial lending.

As the founding company of First Finance, First Home PLC, has tested and refined its initial housing finance concept and has conducted studies on the market needs for housing loans and thus provided First Finance and a foundation for growth and expansion.

Address: A-15, Street 271, Sangkat Tomnup Tek, Khan Chamkarmon, Phnom Penh, Cambodia
Phone/Fax: (855) 023 997 937
Email: info@firstfinance.biz / Website: www.firstfinance.biz

Green Central Microfinance

Green Central Micro Finance Ltd. (GCMF) is financial institution licensed by the NBC on 24th October 2008 to offer financial service to Cambodian people who are willing to be the real entrepreneurs. The overall purpose of the institution is to strengthen and expand healthy microfinance services to Cambodian people and to participate in development of micro and small enterprises be more active to boost Cambodian economy growth. The institution observes the highest principles to implement the law and circular issued by the Royal Government of Cambodia and the National Bank of Cambodia.

Address: #640E,F, Steet 271, Sangkat Phsar Deum Thkov, Khan Chamkar Morn, Phnom Penh, Kingdom of Cambodia.
Email: green.mfi.info@gmail.com
Tel: (855)23 99 44 55/66 -- Fax: (855)23 99 44 77

Hattha Kaksekar

Hattha Kaksekar Limited (HKL) started as a food security project by OCSD/OXFAM-Quebec in PURSAT province in 1994 In 1996 it registered as an NGO, and in 2001, HKNGO transformed to private limited liability company owned by four shareholders. Continual successes and potentials made HKL raised its paid-up capital to US$ 257,850 in 2003 with CORDAID as the fifth shareholder. HKL is now an MFI licensed by National Bank of Cambodia. Website: www.hkl.com.kh

Intean Poalroath Rongroeurng

Intean Poalroath Rongroeurng (IPR) The company Intean Poalroath Rongroeurng Ltd. (meaning Credit, Population, Prosperity in Khmer) was founded by two private Cambodian individuals, Mr. Oknha Phou Puy and Ms. Hao Simorn, in 2003. It was founded as a credit unit of the Federation of Cambodian Rice Millers Associations, to alleviate the capital constraint of rice mill entrepreneurs who lacked access to credit to expand their production.

In January 2005, the Unit registered with the National Bank of Cambodia as a rural credit operator. In July in the same year, the Unit transformed into a private limited liability company and officially registered with the Ministry of Commerce under the name “Intean Poalroath Rongroeurng Ltd”, IPR, with a registration number Co. 7896/05 P. The Company furthermore received a microfinance institution license, MF 014, from the National Bank of Cambodia in August 2005. As the funding situation of rice mills had gradually improved over time, IPR turned its focus to small farmers after its registration and MFI license. On June 24th 2008, IPR’s MFI license was renewed by the NBC as a permanent one. On April 03rd 2009, IPR re-registered following a capital injection from its existing shareholders. A new permanent MFI license that took the capital increase into account was granted by the NBC on June 19th 2009.

In 2010, the Company’s ownership underwent a significant change. Ms. Hao Simorn transferred the entirety of her shares in IPR with full rights to Mr. Oknha Phou Puy in July 2010. On December 30th 2010, Leopard Cambodia Fund, Cambodia’s first private equity fund operated by the international financial group Leopard Capital L.P., took a minority stake in IPR though the Hong Kong based company IPR (HK) Limited.

Website: www.iprmfi.com

Khemarak

Khemarak Microfinance Institution Limited (Khemarak Limited) was licensed as the microfinance institution by National Bank of Cambodia (NBC) since 27 October 2010. Khemarak Limited's main business is to deliver credits, saving and other financial services and products to various types of individuals especially micro, small, regular and medium entrepreneurs.

Head Office: #30Eo, Str.Kamucheakrom (128), Sangkat Phsar Thmey II, Khan Daun Penh, Phnom Penh, Cambodia.
Tel: 023 989 023/081 500 149/097 77 222 40
E-mail: admin@khemarak-mfi.com
Website: www.khemarak-mfi.com

KREDIT

KREDIT is one of the leading microfinance institutions (MFIs) in Cambodia. KREDIT was established by World Relief US in 1993 to provide financial services and primary health to Cambodia's poor women in the urban and rural. Since its transition to professional MFI in 2004, KREDIT has shown its solid growth with quality, good profit, and also strong contribution to clients and community development. In late 2010, KREDIT got Micro Deposit Taking Institution (MDI) license from National Bank of Cambodia (NBC). The institution has a triple-bottom lines embracing sustainability, enabling its clients to achieve socio-economic development, and following guidance of GOD.

As of Dec 2012, KREDIT has provided USD53.49 million loans to 59,840 clients through about 60 serving offices and 848 staff members. Regarding saving performance, as of the same date, KREDIT has collected USD8.95 mil from 3,358 accounts. 2012 was also a remarkable year of KREDIT that we got a new shareholder "Phillip MFIs Pte Ltd", an arm of PhilipCapital (www.phillip.com.sg) based in Singapore which is a leading Integrated Asian Financial Institution with network offices around the world, offering a comprehensive suite of innovative financial products and services to retail, institutional and corporate clients. Within the year 2012, KREDIT has also set up partnership with PATH and IDE to provide loan to poor family so that they can have a simple set of latrine for their family use. With support from Kiva, Vittana, and Eriks, Education Loan is also a new product that which was successfully developed and planned to be launched in beginning of 2013. With this new product, KREDIT will have broader scope to provide impact on the lives of more poor people. Rating agency, Microfinanza, in 2012 conducted rating to KREDIT and showed that KREDIT has moved up another step: financial side got BBB- and social BB+. Result of impact assessment and client's satisfaction in 2012 also show that majorities of clients improved their standard of living, business, asset, and saving. Majority of clients also mentioned their high levels of satisfaction with our services and products.

In addition to above performance and to maximize the impact on poor clients, KREDIT has continued expansion of Vulnerable Service Unit (VSU) by working through integration mode with some development partners to provide poor clients other complementary services: finance-related training (debt management, savings, and budgeting), special agriculture training1, child education, primary health care and HIV/AIDS trainings, and character building to their clients. Some training provided directly by KREDIT's staff and some by the partners based on topics.

You can study more about KREDIT through: www.kredit.com.kh

Malis

Malis Finance Ltd.(MALIS) Is micro finance institution licensed by National Bank of Cambodia on 28th February 2011. MALIS was established to deliver Micro Credit Service to middle and low class Cambodian people. MALIS is handling various products of medium, small and micro loan. Through the Micro Lending Service, MALIS seeks improvement of living standards of Cambodian people and growth of Cambodian economy in general.

Address: #119B, St. 271, Sangkat Phsar Deum Thkov, Khan Chamkarmon, Phnom Penh.
Tel: (+855) 023 999 661 / 999 662, Fax: (+855) 023 999 663

MAXIMA

MAXIMA Mikroheranhvatho Co. Ltd (MAXIMA) was founded in March 2000 by a group of friends with the objective of providing financial services to low income clients through small loans to individuals, groups and small to medium-sized enterprises (SMEs).  MAXIMA aims to contribute to the economic and social progress of rural Cambodia by making credit available to those who lack access to loans from traditional commercial banks.  By making credit available to the rural poor, MAXIMA’s clients, using their natural skills and harnessing their entrepreneurial spirit, are given the opportunity to start a new business or expand upon an existing one. Such sustainable access to credit, allows for those living in rural areas to achieve social and economic progress not only for their families but also for their communities.Website: www.maxima.com.kh

PRASAC Microfinance

PRASAC MFI, Ltd. (PRASAC) is a private Cambodian limited liability company registered with Ministry of Commerce. It is licensed by the National Bank of Cambodia to operate as a Microfinance Institution. Operations started on 1 January 2005, when it received ownership from the EC to assets earlier operated by PCA (PRASAC Credit Association). At the same time it also secured its funding by signing a Subordinated Debt Agreement with RGC, giving access to seed funds and retained earnings (the Credit Fund) originating from the EC funded development project  called PRASAC (Programme de Rehabilitation et d'Appui au Secteur Agricole du Cambodge), active from 1995 to 2003. Website: www.prasac.com.kh

PRIME MF Microfinance

PRIME MF Microfinance Institution Ltd (Prime) is a newly established MFI in Cambodia with 100% of foreign shareholders, it was granted a license for its microfinance business operation from National Bank of Cambodia since 17 December 2010.

PRIME MF is providing the loan product and service to various types of businesses especially micro, small and medium entrepreneurs.




Head Office: #19A, St. 271, Sangkat Tomnub Teuk, Khan Chamkarmon, Phnom Penh, Kingdom of Cambodia.
Tel: (855)23 993 909
Email: pbunchan@gmail.com

SAMIC Microfinance

SAMIC Microfinance (SAMIC) former CHC-Limited, formerly known as the Credit Program of the Cambodian Health Committee, originated from an NGO established in 2004 in response to public health problems. The program has initially funded by Oxfam America. In early 2005 CHC was licensed as a limited company by Ministry of Commerce and in September became a licensed MF, lending to the poor, low-income households and small enterprises. CHC also collects savings. Website:www.samic.com.kh