The Management and Staff of SME Bank of Cambodia Participated in a Five-day Seminar on “SME Financing” in Tokyo

Ten members of the management and staff of SME Bank of Cambodia participated in a five-day seminar on “SME Financing” in Tokyo, Japan from May 20-24, 2024. This seminar was organized by the Policy Research Institute (PRI), the Ministry of Finance, Japan; and the Micro Business and Individual Unit, Japan Finance Corporation (JFC-Micro).
The training aimed develop the SME Bank’s human resource and to improve its credit operations by providing JFC-Micro’s know-how. After a week of training, the delegation from SME Bank of Cambodia gained insights into financial policies to support SME lending through presentations and SME visits in Japan.
Importantly, this training is a testament to the shared vision in supporting the business environment and the implementation of the Memorandum of Cooperation between the Ministry of Economy and Finance, Cambodia through SME Bank of Cambodia; PRI, the Ministry of Finance, Japan and JFC-Micro. The training and the Memorandum of Cooperation will enhance financial inclusion of SMEs in Cambodia.
SME Bank of Cambodia would like to express its gratitude to PRI, Ministry of Finance, Japan and JFC-Micro for hosting this visit and for their insightful sharing on the financial policy development in Japan.

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The Cambodian financial market is developing rapidly and approaching the saturation stage. However, most commercial banks and MFIs are introducing both cash-flow and collateral-based lending. In general, they required real-estate property such as land and/or building to be served as collateral. According to the feedback from the market, some small and medium enterprises (SMEs) are not able to get loans from banks or MFIs due to collateral requirements.