VisionFund Cambodia

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Agriculture Loan

A loan to finance business expenditures, or assets of agricultural businesses or activities that generate seasonal income such as pig raising, vegetable growing, and rice farming etc.

Lending Methodologies

Community Bank, Solidarity Group, or Individual

Loan Size

KHR 80,000 - KHR 8,000,000 , USD 20 - USD 15,000 or THB 800-100,000

Loan Term

3 - 42 months

Interest Rate

1.75% to 3%

Repayment Mode

All loans are tailored to perfectly meet the applicants’ business cycles and cash flow

Client Eligibility

General requirements for loans:

  • Age of majority
  • Good character and sound credit background, determined through reference checks
  • Existing legal businesses or income-generating activities (formal or informal)
  • A permanent residence address (At least one year within the current 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 in case where loan is taken in the form of a community bank
  • Ability to provide guarantor(s) with sufficient collateral to cover repayment of the loan amount
  • Repayment Coverage ratio of at least 1.3
Additional Benefits

Access to the Safety Net Program, which provides the following benefits:

  • In the event of death of the client, VisionFund will contribute some funds for the funeral and write off 100% of the client’s outstanding loan amount for client's disbursement less than or equal 1,000 USD lending, and 60% of the client’s outstanding loan for client's disbursement greater than 1,000 USD.
  • In the event of death of the client’s spouse, VisionFund will contribute some funds for the funeral.
  • In the event of death of the client’s registered children, VisionFund will contribute some funds for the funeral.
  • If chosen as best clients of the year, one of their children will be provided with education scholarship up to grade 12.
  • Opportunities to participate in financial education.Be entitled to annual lucky draws.


 
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