#30B, Street 652​, Sangkat Tek La-Ak III, Khan Tuol Kork, Phnom Penh, Kingdom of Cambodia.

Tel : (+855) 23 88 26 76 / (+855) 86 76 76 55, Email: info@cma-network.org

Executive Office

Mr. Phal Vandy,

CMA Executive Director

As the Executive Director of Cambodia Microfinance Association (CMA) that has 103 members are providing more than 6,400 million USD loan to 2.1 Million of Cambodians through operations across the 25 capital/provinces in the country, Mr. Phal Vandy is in charge of CMA's consistent achievements toward its mission and vision. He ensures effective leadership of the executive office to operationalize the strategy and sustainability of the Association. Mr. Vandy is passionate and committed in building better and more inclusive financial services in Cambodia, especially among rural Cambodians. He believes in responsible inclusive microfinance services as a crucial contribution to the success of MSME, which results in women empowerments toward poverty reduction, socio- economic development and social equity.

Mr. Vandy has more than 18 years of progressive experiences in leading international development agencies, coordinating and managing multi-sectorial development projects, and leveraging high-level partnership. His latest involvements as an active member of the Partnership Steering Committee on Social Accountability with the World Bank, EU,  the Ministry of Interior, Ministry of Economic and Finance and other key players in the country contributed to better civic engagements to improve good governance and government investments toward quality improvements of the key public services in the country.

Mr. Vandy got a Master’s Degree in Development Study and a Bachelor’s Degree in Business Management. He has also joined many international trainings around the world including Australian Leadership Award Program at DEAKIN University in Australia, Leadership and Management Development in the United Kingdom, Emergency Training in Australia, and exchange studies in the United States and other Countries in the Asia Region.


Mrs. Chea Saren

Operation Manager

Saren is CMA’s Operation Manager (OM), reporting to General Secretary. OM's primary responsibility is to ensure CMA’s organizational effectiveness and sound management with the help of tool and information technology in both financial and operational functions. OM plays significant role in the development and implementation of organizational strategies, policies and practices.

Before joining CMA in May 2017, she was Program Manager for Credit Union Foundation Australia since June 2016 and widely responsible for managing organizational operation and program implementation such as Strengthening Resettlement and Income Restoration Implementation (SRIRI) Project, Operation and Maintenance (OM) Project, Vocational Placement Strategy Project (VPSP), Village Entrepreneurship Initiative (VEI) Project, Saving, Enterprise, and Economic Development (SEED) Project and Children Financial ’s Literacy (CFL) Project including provisions technical assistance to 75 saving groups.

Previously, she worked in Cambodia public health sector since beginning in 2005 for closely involved in community development. She was Health Equity Fund Program Manager for Reproductive Health Association of Cambodia for four years. She was Health Financing Technical Officer for University Research Cooperation, LLC for 2 years. She was Operation Manager for Operation ASHA for 2 years. She was Voluntary Surgical Contraceptive Program Coordinator for Marie Stopes Cambodia for 2 years and She was Health Unit Support Officer for CARE Cambodia for more than 1 year.

Chea Saren earned a Master's a Degree in Finance in 2008 and a Bachelor's Degree in Management in 2004 from National University of Management.

Mr. Chhorn Vatanak

Head of Training Department

Over 19 years serving civil societies with international and local membership-based organizations and financial inclusion sector, Mr. Chhorn Vatanak, has skills and expertise in holistic capacity building, organizational development (OD), human resources management, program and project management, fundraising and proposal writing, and technology.  

Before joining CMA, he worked as Responsible Inclusive Finance Academy Program Manager of Good Return for the Asia and Pacific regions. He provides the leadership, management, and strategic direction to grow the program to deliver series of capacity building such as classroom-based, online training and financial technology solutions (eLearning Platform) to build financial capability for the financial sector. 

He also used to work for World Vision International (WVI) as Sponsorship Funding Manager, Operational Auditor, Capacity Building Coordinator, Technical Services Manager, and Project Manager. He also worked for Cooperation Committee for Cambodia (CCC) as an NGO Governance Program Manager. He led many projects including fundraising, organizational development, NGO good governance accreditation system, global standard for CSO accountability, civil society index and research, and community development. Voluntary contribution to civil society, he is a board member of a children development organization in Cambodia and a freelancer. 



Mr. Ear Techkung

Project Manager

He has 11 years’ experience in development sector within the context of micro-finance, enterprise development, agriculture, agri-business, income generation, livelihood improvement, and community development​with experience of in-depth Organizational Development, Institutional Development,​Development Management, and Program Management.

Currently he works for Cambodian Microfinance Association to support MFIs in Cambodia to achieve their Client Protection Certification through SMART Campaign, support MFIs on Management information System, and Capacity Building to CMA staff. He also used to manage multi-programs of HEKS Cambodia, manage project of French Red Cross, and manage multi-programs of Oxfam Australia, manage Ecosorn project of European Union-credit and enterprise development sector, and also manage savings and credit of Cambodian Mutual Savings and Credit Network.

He is holding bachelor degree in Agricultural Economic and Rural Development from Royal University of Agriculture and Master Candidate in Development Management from Norton University with extensive experience in Project/Program Management on micro finance and enterprise development sector.



Senior Business & Relationship Officer

He has worked with CMA Sine June, 2013 as Training and Development Assistant. In early 2015 he was promote to a position of Junior Training and Development Officer. Before working with CMA he worked at Eastern International School as a English Teacher for 1 year. In 2012, he has got a Bachelor Degree of Banking and Finance at Build Bright University.



Communication Officer

Mr. Buntha Lach is responsible for communication and IT at Cambodia Microfinance Association and he brings an extensive experience from 6 years working in developing android application, website administrator (back-office), designs training materials and BBC&IECs material (leaflet, newsletter, x-stand, books, posters, banners, backdrop, App program with different international organizations in training, workshops organizer roles. Buntha has a Bachelor's Degree in Information Technology from the Royal University of Phnom Penh, Cambodia.



Finance Officer

Kimsan specializes in finance, accounting, and auditing. His role reports to Operation Manager, and to a certain extent to the Executive Director, in ensuring the smooth and highly acceptable financial functions of CMA with the ultimate goal of delivering value-added services to all members. In addition, he has the right report direct to the audit committee to require any advice or decision.

Previously, Kimsan worked for ABA Bank (HQ) in the position Finance Officer around 1 year. He has also worked for PRASAC MFI (HQ) in the position Finance MIS officer around 5 years in various positions and he also worked for VANDA Accounting Institute around 4 years as a professor in major of accounting, auditing, managerial, accounting information system (AIS), computer accounting software (QuickBooks, MYOB, Peachtree, MS office).

in addition, he has also intern at National Bank of Cambodia (NBC) and ACLEDA Bank in 2010.

Kimsan earned a Master of Auditing in 2012 and Bachelor's Degree in Accounting in 2010 from VANDA Accounting Institute and he also completed many courses in countries.


Ms. Pheng Vouchnice

Admin and Finance Assistant

She has worked with CMA in March, 2018 as Admin and Finance  Assistant reports to Finance Officer & Operation Manager, and to certain extent to the Executive Director for ensuring the smooth operation of Association toward achieving the ultimate goal of delivering value-added services to all members and to work hand in hand with the team to grow the CMA into a better position.

Before working with CMA She worked at Cambodia Post Bank 4 year in the position Customer Service and Administration Officer.

Vouchnice earned a Bachelor's Degree in Banking and Finance In 2015 at Cambodian University for Specialties (CUS).


Mr. Korng Bo

Administration Assistant





Ms. Louth Sreyneang

House Keeper







Monday, 19 August 2019 (Update)
N& MFIs 71MFIs,4 FLIs and 6RCIs 71MFIs,4 FLIs and 6RCIs
Loan 6,048.16 Million USD 6,456.41 Million USD
Borrower 1,992,010 2,126,222
Deposits 3,102 Million USD 3,394 Million USD
Depositor 2,420,200 2,561,680
Figure Q1/2019 Q2/2019







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