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Loan to Agricultural Cooperative

Who is target customer? Registered agricultural cooperative, which is:

  • of agricultural value chain and
  • have business purpose, which is for member’s benefit.
Loan size and term
  • Working capital from 5,000 – 100,000 USD, term: up to 3 years
  • For Investment from 5,000 – 200,000 USD, term: up to 7 years
Interest rate
  • Working capital loan: 10.5% per annum
  • Loan for Investment: 9.5% per annum
  • Have certificate of agricultural cooperative registration
  • Have business experiences
  • Have collateral
  • Have payment capability
Payment method
  • Monthly interest payment and
  • Principal can be paid monthly or quarterly or semester based upon customer’s cash flow
  • hard title or soft title which recognized by law, or certificate of deposit, etc.
  • Can make principal payment before maturity date without penalty
  • Can get coordination on additional technical and market linkage
Required documents
  • Representative’s Khmer ID (Copy)
  • Land title as collateral
  • Registration certificate of agricultural cooperative
  • agricultural cooperative statues
  • Income-Expense information and business plan
  • Minute of general meeting of shareholder or that of executive management on decision authorization borrowing from the bank

How to apply

Please contact Agricultural and Rural Development bank nearby or via phone (023 220 810 / 811).