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Microfinance in Cambodia : taking the sector to the next level (Кхмерский)

In recent years, the microfinance sector in Cambodia has played a leading role in expanding the reach of the financial sector to the rural poor. The sector has experienced rapid growth over the last five years, reaching over a million borrowers and more than 520,000 savers in 24 provinces. By the end of 2008, the total loan portfolio in Cambodia was almost US$440 million while deposits were more than US$490 million. Despite the tremendous success of microfinance in Cambodia, the sector still faces challenges that include a legal framework limiting the ability of MFIs to diversify products and services, and the high cost of funding that prevents MFIs from achieving their potential in helping to develop the rural economy as well as the country as a whole. For MFIs to achieve their potential to serve more clients, they need to be able to offer a wider range of products and services, to access local currency and to reduce their costs of funds so as to remain commercially sustainable, while serving the lower end of the market. This business issues bulletin discusses two key areas that could help MFIs to achieve their goals: i) new products and services that would help the sector to grow while at the same time providing clients in rural areas with needed services; and (ii) a better business environment and legal framework.

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    Microfinance in Cambodia : taking the sector to the next level

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    access to finance, accidents, ADB, assets, availability of credit, bank lending, banking sector, banks, barrier, borrowing, business environment, capital expenditures, capital requirement, commercial banks, consumer protection, cost of funds, credit applications, credit bureau, credit histories, credit information, Credit Information System, credit providers, debt, Deposit, deposits, Development Bank, economic activities, economic development, economic downturn, equipment, exchange rates, expenditures, families, farmers, Financial Institutions, financial sector, financial services, financial sustainability, funding sources, good credit, households, income, incomes, information asymmetries, information on borrowers, interbank markets, interest rate, interest rates, interest rates for loans, interest rates to borrowers, lack of credit, legal framework, Legislation, lending institutions, leverage, liquidity, loan, loan portfolio, loan portfolios, loan sizes, loans to individuals, local currency, market conditions, market participants, maturity, maturity mismatches, MFI, MFIs, micro-business, micro-credit, micro-enterprises, Micro-insurance, Microcredit, Microfinance, microfinance institutions, microfinance regulation, microfinance sector, microfinance sectors, microinsurance, minimum capital requirement, mobile phones, Money Lenders, money transfers, National Bank, natural disasters, necessary collateral, new products, operating costs, outreach, Outstanding loans, overseas financing, potential borrowers, premium payments, private credit, private credit bureau, public confidence, rapid growth, regular payments, regulatory framework, remittance, remittance services, Remittances, repayments, risk management, rural branches, savings, savings services, share capital, small business, social investors, sources of funds, sustainable growth, technical assistance, Union, urban areas

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