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Transparent Pricing In Cambodia

Please note that MFTransparency is no longer collecting new pricing data. The data displayed for this country is for historical purposes only and does not represent current products or prices in the country. Note that the age of the information for each MFI is indicated in the table below.

The Transparent Pricing Initiative in Cambodia has published standardized pricing data from 14 microfinance providers, representing the majority of Cambodia’s microfinance borrowers. Launched in 2009 the Initiative is delivered in partnership with Planet Rating and is funded by the Netherlands Plaform for Microfinance. The initial data collection was sponsored by MicroNed and TripleJump and supported by key local stakeholders including the Central bank of Cambodia and local network organizations.

Microfinance in Cambodia
The Cambodian microfinance market is one of the world’s fastest growing and most well developed microfinance sectors. The transition of the sector from NGO projects to commercialization and later to an integral part of the main stream economy has been assisted by the steady economic growth in the country, a favourable flow of foreign investment to the sector and the supportive and long standing regulatory environment.

Although the flow of foreign funds to the sector was affected by the global financial crisis in the late 2000s, the Central Bank’s permission to mobilize local deposits by registered MFIs has helped the recovery of many fund strapped microfinance institutions.

Truth-in-Lending Legislation

The regulatory and supervisory environment of the Cambodian microfinance market has played an integral role in the transformation and growth of the sector. Since 2000, registered deposit taking microfinance institutions have been prudentially regulated by the Central Bank of Cambodia. Through outlawing the use of the flat interest rate calculation method in 2001, the Central Bank has played an instrumental role in fostering healthy competition and promoting transparency in the microfinance market.  The legislation ‘Prakas on calculating interest rate on microfinance loans’ requires all registered microfinance service providers to employ the declining balance interest rate calculation method.

Cambodia Price Graph

The price graph presented below shows the prices of all the microloan products in the Cambodia dataset. Each data-point represents a real loan given to a real borrower, calculated using original loan documentation from the institution. The size of the data-point correlates with the number of borrowers that have a loan of that product at that loan amount. The color of the data-point correlates with the Transparency Index of the sample. The interactive legend beneath the graph can be used to change the graph axis and labels. Try the custom feature to see price correlations with attributes such as loan purpose, institution type, loan term and percent of gross national income.

Loans in Cambodia can be issued in three currencies – Cambodian Riel (KHR), Thai Baht (THB) and US Dollars (USD). Products in each of these currencies are shown on separate graphs.

The market average APR curve is relatively flat showing a limited range in price relative to loan size. This is mainly due to improved efficiency and competition among microfinance institutions. One of the interesting features of Cambodian microfinance is the relative absence of  extra charges in fees and commissions. This, together with the outlawing of flat interest rate shows that the industry has been practising a high level of transparency in its pricing. 

Cambodia Institutions

Institution# BorrowersPortfolio (US$)ProductsTransp. IndexParticipating SinceAge of Data
ACLEDA235,200215,086,0006872010-Sep82 mos.
AMK288,20063,784,00016972010-Sep54 mos.
AMRET299,500149,542,0008982010-Sep54 mos.
Chamroeun48,1007,480,0004892010-Sep35 mos.
Farmer Finance200407,0001792010-Sep54 mos.
First Finance5005,819,0001712010-Sep54 mos.
HKL73,40093,842,0003892010-Sep54 mos.
KREDIT61,80059,319,0009852010-Sep54 mos.
Maxima2,9003,179,0003872010-Sep54 mos.
PRASAC138,500251,931,0009762010-Sep54 mos.
Seilanithih15,2007,516,0005902010-Sep54 mos.
SPN35,10029,828,0006802010-Sep54 mos.
TPC120,00045,931,00013902010-Sep54 mos.
VF Cambodia148,60048,984,00018982010-Sep54 mos.
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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