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WELCOME TO CAMBODIA MICROFINANCE ASSOCIATION

The Cambodia Microfinance Association is an NGO and professional association that aims to ensure the prosperity and sustainability of the microfinance sector in Cambodia. CMA plays a vital role in creating local and international networks as well as seeking equity and loan funds, new technologies and overseeing conflict resolution between microfinance operators. All of these activities have led each member microfinance institution to become stronger and more successful and thereby attract support from the international market to enable industry expansion.

2023
  • Official launch of Community Safe finance Project
  • Dissemination of the microfinance impact study
  • Dissemination of CEO/Shareholders workshop on Role of BFI Governance in Ensuring Consumer Protection
  • Reginal Workshop for Branch Managers 
  • Competency Program for Rural Credit Operators’ Executive Level
  • Member: 136
2022
  • Banking and Financial Institutions’ Code of Conduct (CoC) introduced by CMA, ABC, and CAFT.
  • The Standard Loan Contract was introduced.
  • MoU with SPTF
  • Member: 124
2021
  • Lending Guidelines was incorporated into the Banking and Financial Institutions’ Code of Conduct.
  • Lending Guideline has been included into the National Financial Inclusion Strategy of Cambodia 2019 – 2025 of the National Bank of Cambodia.
  • The CMA and ABC’s financial literacy strategy has been developed and is being implemented by the ABC financial inclusion committee.
  • A responsible Lending Program was created.
  • Member: 115
2020
  • CMA initiated the enhancement of the Responsible Inclusive Finance “RIF” through the Cambodia Consumer Protection Framework 2020-2025
  • Launching a book on building an inclusive financial sector with NBC
  • CMA, ABC, CBC research taskforce has been formulated to engage with research agendas for the sector 
  • Member: 113
2019
  • Department of Financial Inclusion and Social Impact was established
  • Lending Guidelines was scaled up, reflecting the further strengthening of self-regulations
  • Member: 103
2018
  • CMA becomes more independent. Business plan under four pillars is established 
  • Creation of Staff Development Fund to aid professional knowledge and training in the sector
  • CMA grows to 13 full time staff
  • Members : 103
2015 - 2017
  • Self-regulation and social performance supported organization of the Social Performance Taskforce annual meeting in 2015 
  • Launch of the Preah Sihanouk MoU initiative - providing FSPs with sector-wide lending guidelines and framework to enhance policies
  • Member: 95
2010 - 2014
  • Partnership with Australian NGO Good Return on financial education project
  • Funding from AFD for CPI project support until 2015
  • Created documentary series with purpose of financial education for Cambodian public
  • Members :44
2008 - 2009
  • CMA receives recognition by NBC as subdivision of ABC
  • Further support from Planet Finance and Australian Aid
  • CMA establishes Clubs for CEOs, Operations, Finance, and HR
  • CMA grows to 6 full time staff.
  • Members :20
2006 - 2007
  • AFD and ADA in Luxembourg become donors and works with CMA to support development of the microfinance sector 
  • CMA committees established for IT & Marketing, Advocacy, Training and Audit
  • Members :17
2002 - 2004

  • Seven microfinance institutions (MFIs) held a meeting in August 2002 to establish a Microfinance Association.
  • In November 2003, CMA was formed as a secretariat supporting the Microfinance Association with seven founding members.
  • Formal registration from Ministry of Interior granted in 2004
  • Members :7


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