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We provide financial services to the poor and empower them to grow successful businesses which enable children to grow up with improved health and education. VisionFund Cambodia offers a large selection of loans, savings programs, and other services that make us stand out from our competition. Please click through the drop-down menus below to find out more about our products. VisionFund (Cambodia) Microfinance institution provides financial services including: Loans, Saving/Deposits and Money Transfer.

Small Business Loans

Small Business Loan (SBL) is any loan used for working capital, business assets acquisition, and other businesses inputs or for income generating activities that earn income on a daily, weekly, fortnightly, or monthly basis. e.g. trading, production, services ... etc.

Conditions

Currency KHR, USD and THB
Loan Size KHR 80,000 –  KHR 40,000,000
USD 351 – USD 20,000
THB 800 – THB 400,000
Loan Term 3 – 48 months
Monthly Interest Rate 1.65% - 3%
Payment Model Based on client's business cash flow
Lending Methodologies Community Based Solidarity Group, Solidarity Group or Individual

Benefits

  • Access to financial education provided by VisionFund’s staff

  • Opportunity to be selected as best client whose child will be granted with a scholarship until finishing high school diploma

  • Be entitled to Safety Net Program for loan written off in the  case of client’s death

Eligibility

  • Cambodian

  • Aged between 18-65 years old

  • Good character and sound credit background

  • Has at least one year residence address

  • Consent from spouse or household members to access the loan

  • Realistic and profitable business plan

  • Ability to share the investment, either by being an owner-operated business or by sharing ownership of the assets purchased with the applied loan

  • Ability to form group guarantee

  • Ability to provide guarantor(s) with sufficient collateral to cover repayment of the loan amount

 

 

Agriculture Loan

Agriculture Loan (AL) is any loan used for inputs, expenditures, or assets of agricultural businesses or IGAs that earn only seasonal income such as crop growing, animal raising, etc.

Conditions

Currency KHR, USD, or THB
Loan Size KHR 80,000 –  KHR 40,000,000
USD 351 – USD 20,000
THB 800 – THB 400,000
Loan Term 3 – 48 months
Monthly Interest Rate 1.65% - 3%
Payment Model Based on client's business cash flow
Lending Methodologies Community Based Solidarity Group, Solidarity Group or Individual

Benefits

  • Access to financial education provided by VisionFund’s staff
  • Opportunity to be selected as best client which will grant scholarship for his/her child until finishing high school diploma.
  • Be entitled to annual lucky draw.
  • Be entitled to Safety Net Program for loan written off in the case of client’s death

Eligibility

  • Cambodian
  • Aged between 18-65 years old
  • Good character and sound credit background
  • Has at least one year residence address
  • Consent from spouse or household members to access the loan
  • Realistic and profitable business plan
  • Ability to share the investment, either by being an owner-operated business or by sharing ownership of the assets purchased with the applied loan
  • Ability to form group guarantee
  • Ability to provide guarantor(s) with sufficient collateral to cover repayment of the loan amount

Education Loan

Education Loan (EDL) is a kind of social product which is to be provided as financial support to parents or guardians who wants their children to pursue the higher education or to catch the technical skill. It's also provided to any individual student who is from poor family, has good academic performance, and has strong commitment to attain higher education or technical skills.

Conditions

Currency USD
Loan Size USD 100 – USD 3,000
Loan Term Associate Degree: 3 – 48 months (4 years)
Bachelor Degree: 3 – 84 months (7 years)
Master Degree: 3 – 48 months (4 years)
Vocational Training: 3 – 24 months (2 years)
Monthly Interest Rate 1.30% to 1.90%
Usage Loan
  • Cover tuition fee: 100%
  • Cover non-tuition fee: 20% of approved loan or up to USD 500
Payment Mode Based on client's business case flow
Lending Methodology Individual

Benefits

  • Have the opportunity to access to higher education/particular training skill which would positively impact  your future
  • Many available options for choosing the most preferred universities or training centers
  • Have the opportunity to take part in an internship or become as permanent staff member at VisionFund Cambodia

Eligibility

  • Aged between 18 to 65 years old
  • Have a good academic record
  • Choose recognized university or technical training center
  • Have good attitude and study commitment

 

Express Loan

Express Loan (EXL) is developed to ensure prompt response to client's financial need in their personal life which may be affected by any of the emergency and unexpected events either natural disaster or personal dangers. 

Conditions

Currency KHR, USD and THB
Loan Size

KHR 80,000 – KHR 1,400,000

USD 20- USD 350

THB 800- THB 14,000

Loan Term 3 – 6 months
Monthly Interest Rate 2%
Payment Model Based on client's business cash flow
Lending Methodologies Community Based Solidarity Group, Solidarity Group or Individual

Benefits

  • Access to financial education provided by VisionFund’s staff
  • Opportunity to be selected as best client which will grant scholarship for his/her child until finishing high school diploma
  • Be entitled to annual lucky draw
  • Be entitled to Safety Net Program for loan written off in case of client’s death

Eligibility

  • Cambodian
  • Aged between 18-65 years old
  • Good character and sound credit background
  • Has at least one year residence address
  • Consent from spouse or household members to access the loan
  • Repayment coverage ratio of at least 1.3

Non-Business Loan

Non-Business Loan (NBL) is a kind of consumption loan used for purchasing personal or household assets in order to improve the basic living conditions and impact to child well-being such as water filters, latrines, solar energy products, bike, motorbike ... etc.

Condition

Currency KHR, USD and THB
Loan Size KHR 80,000 –  KHR 20,000,000
USD 351 – USD 5,000
THB 800 – THB 200,000
Loan Term 3 – 30 months
Monthly Interest Rate 1.85% - 3.00%
Payment Model Based on client's business cash flow
Lending Methodologies Community Based Solidarity Group, Solidarity Group or Individual

Benefits

  • Access to financial education provided by VisionFund’s staff
  • Opportunity to be selected as best client who child will be granted scholarship until finishing high school.
  • Be entitled to annual lucky draw
  • Be entitled to Safety Net Program for loan written off in the case of client’s death

Eligibility

  • Cambodian
  • Aged between 18-65 years old
  • Good character and sound credit background
  • Has at least one year residence address
  • Consent from spouse or household members to access the loan
  • Realistic and profitable business plan
  • Ability to share the investment, either by being an owner-operated business or by sharing ownership of the assets purchased with the applied loan
  • Ability to form group guarantee
  • Ability to provide guarantor(s) with sufficient collateral to cover repayment of the loan amount

 

Social Cooperation Loan

Social Cooperative Loan (SCL) is a kind of social loan product for strengthening the capacity of agricultural cooperative entities or similar agriculture associations especially for those who are under support of World Vision Cambodia by providing the source of fund to support their need working capital and expansion business plan.

Conditions

Currency USD
Loan Size USD 3,000 – USD 25,000
Loan Term 6 months – 36 months
Monthly Interest Rate 1.45% - 1.70%
Payment Model Based on client's business cash flow
Lending Methodologies Individual

 Requirements for AC Entity/Association 

  • Have a legal business or income generating activities which show sustainability and trend of potential growth
  • Be able to provide collateralized assets to assure the loan worth is at least 200% of the total loan amount, either soft title or hard title deed
  • Must have a loan borrowing representative
  • AC/Association is able to show adequate repayment coverage ratio
  • All board members have to acknowledge on loan borrowing as co-borrower
  • Acknowledgement or recommendation is required from WVC for all AC which are under support of WVC, and from related supporter/NGO for other AC/association.
  • AC/association must be established at least one (1) year and have at least one business income generation excluded lending business (cash credit to own member)

 

Social Investor Term Deposit

Social Investor Term Deposit (SITD) is a kind of interest-bearing and contract-based savings accounts that require account balance to be placed within a specific contract with particular period of time. Those who place their money in this account for longer term will gain higher interest rate. Cash deposited in this account will be upheld and restricted from withdrawal till maturity date.

Conditions

Currency

KHR, USD & THB

Minimum Initial Deposit

KHR 100,000 / USD 25 / THB 1,000

Flexible Interest Payment
  • Monthly interest Payment
  • At the maturity of the term or upon account closure

Fix Deposit Certificate

Free

Monthly Account Service

Free

Withdrawals

Partial withdrawal is not allowed

Annual Interest Rate*

3.25% up to 10.50%

Benefits

  • Make a real contribution to economic development and poverty reduction in Cambodia
  • Earn up to 12% annual interest
  • The longer you invest, the higher interest rate you get
  • Interest is calculated daily and paid monthly or on maturity date
  • Reach your social and financial goal at the same time
  • Safety for your cash
  • Fast and convenient service

Requirements

  • Both Cambodians and foreigners are eligible
  • Applicable for both individual and corporate accounts including private entities, NGOs, government entities, associations or corporations that are legally registered under the Cambodian laws and regulations
  • Required to have a Hope Savings Account

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*"SITD-FIXED" is available for limited period only. SITD-FIXED earns higher interest but the entire deposit cannot be withdrawn until its maturity date.

 

**Other conditions are applied. All rates​ & account conditions are subject to change from time to time without prior notice.

 

Note:

  • Thai Baht currency is available in all branches office in Battambang, Banteay Meanchey, Pailin province and Head Office only.
  • Interest Calculation (Principal x Interest Rate x Number of Days)/365

Hope Savings

Hope Saving Account (HSA) is a non-compulsory saving product designed for entrepreneurs, NGO staffs, civil servants, private company employees, workers, loan borrowers, suppliers, housewives, businesspersons, students, entities, and foreigners in Cambodia who are willing to voluntarily deposit their money in a trustworthy and reliable place.

Conditions

Currency

KHR, THB or USD

Minimum Initial Deposit

KHR 4,000, 40 THB and USD1

Annual Interest Rate for KHR*

4.5%

Annual Interest Rate for THB* 4.0%

Annual Interest Rate for USD*

3.5%

Passbook

Free

* Other conditions are applied * All rates and account conditions are subject to change from time to time without prior notice. * Thai Baht currency is available in all branches office in Battambang, Banteay Meanchey, Pailin province and Head Office only.

Benefits

  • Safety for your cash
  • Open an account without service charge
  • Receive a savings passbook for free
  • Deposit and withdraw your money during working hours of VisionFund’s office
  • Interest is calculated from the first day opening account until the withdrawal date
  • Reach your social and financial goal at the same time
  • You can have more than one deposit account

Requirements

  • Both Cambodians and foreigners are eligible
  • Applicable for both individual and corporate account including private entities, NGOs, government entities, associations or co-operations that are legally registered under the Cambodian law and regulations

.

    Best Child Account

    Best Child Account is a non-compulsory saving product designed to meet the needs of the parents or relatives who wish to save for their children below 18 years old as well as the children who intent to save for them salve in order to achieve their children's future goal such as higher education, business startup ... etc.

    Conditions

    Currency

    KHR or USD

    Minimum Initial Deposit

    KHR 4,000 and USD1

    Annual Interest Rate for KHR*

    9.6%

    Annual Interest Rate for USD*

    7.25%

    Deposit Conditions

    • Minimum deposit per transaction: KHR20,000 or USD5
    • Deposit anytime during working hours
    Withdrawal Conditions
    • When the child reaches 18 years of age, or
    • The child savings account can normally be withdrawn when the child celebrates his/her 18 year birthday
    Eligibility Conditions
    • For child: only children under 18 years old
    • For parent(s) or guardian: individual and legal person

    Benefits

    • No fees charged for account opening
    • Safe and reliable account
    • Social contribution to the poor, especially to children receiving loans from VisionFund
    • Free savings passbook
    • Increasing your child’s wealth and encouraging your children to develop a healthy savings habit
    • Having a financial plan for the future
    • High interest rate
    • Interest as accrued daily and capitalized monthly

    Requirements

    For Children:

    • Birth Certificate or
    • Student Card or
    • Family Book (must bear the child’s name) or
    • Resident Book (must bear the child’s name)
    • Letter confirming address from local authority

    For Parent(s)/Guardian(s):

    • National ID card or
    • Passport which is valid for at least 3 months or
    • Driving license, or
    • Family Book (For family member, attach another documents with portrait/photo such as voter ID, Vehicle Registration, employment card, etc.)
    • Birth Certificate or resident book (attach another documents with portrait/photo such as voter ID, Vehicle Registration, employment card, etc.)

    Local Money Transfer

    1. Inter-Branch Money Transfer

    Money Transfer service allows customers to transfer or receive money through all VisionFund's branches nationwide to mange cash flow ideally for business or personal purpose. There are two currencies (Riel and USD) available to serve customer needs, with the minimum transferring fee starting from 0.10%

     

     

    2. Inter-Bank Fund Transfer (FAST)

    Inter-Bank Money Transfer is a service with the National Bank of Cambodia (NBC) that customer can use to transfer their fund conveniently between financial institution (Bank and MDI), in order to provide a convenient and real time service to customers with the purpose of sending money to beneficiary account. This service can be made with Khmer Riel, up to 40 million.