Agricultural Cooperative Loan

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
Requirements	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
Collateral	hard title or soft title which recognized by law, or certificate of deposit, etc.
Benefits	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