Senior Credit Officer

To become a leading microfinance institution which provides opportunities for the Cambodian people to improve their living standard through innovative and inclusive financial solutions and ensures great benefits for shareholders, staff and the society as a whole. To provide a wide variety of innovative and impactful financial products and services to households, micro, small, and medium enterprises and farmers, especially women, in an efficient and sustainable way. CAMMA Microfinance Limited adheres to the highest ethical practices and the three basic principles: people, earth and operational sustainability, as well as respect for the environment, society and the community which we live in. Therefore, the eight principles of Client Protection Standards that CAMMA adheres are: -Appropriate Product Design and Delivery -Prevention of Over-indebtedness -Transparency -Responsible Pricing -Fair and Respectful Treatment of Clients -Privacy of Client Data -Mechanisms for Complaint Resolution -Governance and HR CAMMA Microfinance Limited, a Cambodian microfinance institution, was initiated and established in 2008 when it was a private credit operator that provided credit services to local Cambodians in Phnom Penh and Kandal province. Demand for loans to expand businesses, increased income, and improve living standards have increased from year to year. Customers who have received loans have improved their living standards and continued to develop over time. To meet the customers’ growing demand for loans and to contribute to poverty reduction of people, it was necessary for CAMMA to expand its scope of operations to gain customers’ confidence and trust and to enhance the quality of its services. Taking this trend into account, CAMMA has transformed from a private credit operator to a trusted CAMMA Microfinance Limited by having registered with the Ministry of Commerce as a Private Limited Company, with its certification of incorporation number Co.0700KH/2010, dated 31 March 2010 with a registered capital of USD 200,000 (two hundred thousand United States dollars). On 29 July 2010, CAMMA Microfinance Limited obtained official license from the National Bank of Cambodia to be a microfinance institution with full authorization to provide loans to customers. CAMMA has prepared itself to become a microfinance institution with good governance, a clear standard of operations, and client protection policies. As of December 2022, CAMMA has increased its registered capital to USD 5,593,000.