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Credit Products

Amret's Credit Product:
  1. Solidarity Credit
  2. Individual Credit
  3. 2.1 Business Loan
    2.2 Home Improvement Loan
    2.3 Consumption Loan
    2.4 Bio-digester Loan
    2.5 Agriculture Loan
    2.6 SME (Small-Medium Enterprise) Loan
    2.7 Housing Loans

    For more detail go to each tag below:

Solidarity Credit

A Solidarity Credit is micro joint-liability credit available in local and Thai Bath currency. It is designed for groups of rural people who have a specific purpose of using the loan for general business activities in order to improve their household's economy.

Credit

Interest Rates

Solidarity Credit
Loan Size Interest rate Duration
Up to 2,2000,000 KHR 1,5% 6-12 Months
Up to 17,000 THB 1,5%


Independent Group Loan(IGL)

Independence group loan is another kind of join-liability credit that it is designed for people who need special kind of group loan which is not under VA-structure.

Interest Rates

Independent Group Loan(IGL)
Loan Size Interest rate Duration
Up to 4,000,000 KHR
1,5% 3-18 Months
Up to 32,000 THB


A Solidarity Credit from Amret offers a number of key benefits, including:
‣  Free choice of currency between KHR and THB
‣  No physical collateral requirement.
‣  Borrowing at any time within cycle.
‣  Flexible installment of capital.
‣  Convenient door-step services for the borrowing and repayment.
‣  Being able to repay back as KHR, USD, or THB
‣  A reasonable interest rate, calculated based on outstanding balance.
‣  Flexible loan terms following your personal or business requirements.
‣  Easy and flexible group formation.

Credit Credit Credit Credit

Amret make it easy

To apply for an Amret Solidarity Loan, you’ll need to follow these simple steps:
‣  Talk to Amret's staff or any member of the village association committee located in your village.
‣  Enter into a join-liability group ranging from 3 to 6 members.
‣  Request a specific amount and arrange terms that are catered to your needs.
‣  Agree to the loan terms & conditions.

Credit Credit Credit Credit

Business Loan

Business

Business Loan is for individuals setting up a new business or expanding an existing enterprise. It is an ideal way for small and medium scale entrepreneurs to gain access to the capital they need.
Client can apply for loan up to USD 20,000 or KHR 80,000,000 or THB 640,000 with maximum loan term up to 48 months (under certain conditions) by using the declining balance calculation method with Flexible repayment declining and annuity repayment method.

Interest Rates
Micro Business loan
Loan Size Interest rate Duration
Up to 80,000,000 KHR 1,5% 3 - 48 Months
Up to 20,000USA 1,3% - 1.5%
​Up to 640,000 THB 1,5%


Depending on your business seasonality, grace period can be granted up to 6 months.

Credit Credit

Advantages
Free choice of currency between KHR, USD and THB.
‣  A reasonable interest rate, calculated based on outstanding balance.
‣  Borrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the installment date.
‣  You can make a repayment from any branches of the Amret Network in Cambodia if you need.
‣  Flexible loan terms and repayment plans that suit your business requirements.
‣  No loan fees charged.
‣  No admin fee in case over payment or pay off before maturity date.

Amret make it easy
To apply for an Amret Business Loan, you'll need to follow these simple steps:
‣  Talk to Amret's staff in your village or at the nearest Amret branch.
‣  Request a specific amount and arrange terms that are catered to your needs. Provide simple information and the necessary documents - your application form will be fill-in by Amret's staff.
‣  Flexible loan terms and repayment plans that suit your business requirements.
‣  Client with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Credit Credit Credit Credit

Agriculture Loan

Agrifin Agrifin

Agriculture loan is for individuals who have a specific purpose of using the loan for general agricultural activities such as: crop credit, animal rearing, and animal breeding, investment (small equipment, animals, and agriculture land). It is an ideal way for small and medium scale entrepreneurs to gain access to the needed capital.

Micro Agriculture loan
Loan Size Interest rate Duration
Up to 80,000,000 KHR 1,5% 3 - 48 Months
Up to 20,000 USA 1,3% - 1.5%
Up to ​640,000THB 1,5%


Agrifin Agrifin

Advantages
Free choice of currency between KHR, USD and THB.
‣  A reasonable interest rate, calculated based on outstanding balance.
‣  Borrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the installment date.
‣  You can make a repayment from any branches of the Amret Network in Cambodia if you need.
‣  Flexible loan terms and repayment plans that suit your business requirements.

Amret make it easy
To apply for an Amret Agriculture loan, you'll need to follow these simple steps:
‣ Talk to Amret's staff in your village or at the nearest Amret branch.
‣ Request a specific amount and arrange terms that are catered to your needs.
‣ Provide simple information and the necessary documents - your application form will be filled in by Amret's staff.bulletFlexible loan terms and repayment plans that suit your business requirements.
‣ Client with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Credit Credit Credit Credit

Home Improvement Loan

improve improve

​ Home Improvement Loan provides individuals with the necessary funds to carry out renovations or extensions of their existing house (i.e. fence, roof, kitchen, WC, living room, etc.)

Interest Rates

Home Improvement Loan
Loan Size Interest rate Duration
Up to 60,000,000 KHR 1,5% 3 - 48 Months
Up to 15,000 USA 1,3% - 1.5%
​Up to 480,000 THB 1,5%
Advantages

Free choice of currency between KHR, USD and THB
‣  A reasonable interest rate, calculated based on outstanding balance.
‣  Borrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the installment date.
‣  You can make a repayment from any branches of the Amret network in Cambodia if you need.
‣  Flexible loan terms and repayment plans that suit your business requirements.

Amret make it easy

To apply for an Amret Home Improvement Loan, you'll need to follow these simple steps:
‣  Talk to Amret's staff in your village or at the nearest Amret branch.
‣  Request a specific amount and terms that are catered to your needs.
‣  Provide simple information and the necessary documents - your application form will be filled in by Amret's staff.
‣  Client with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Credit Credit Credit Credit

Consumption Loan

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​Consumption Loan is for individuals intending to purchase household equipment or personal items, such as a vehicle, a computer, some furniture, a refrigerator, a television, a generator, etc.

Interest Rates

Secrue Comsumption Loan
Loan Size Interest rate Duration
Up to 40,000,000 KHR 1,5% 3 - 48 Months
Up to 10,000 USA 1,3% - 1.5%
​Up to 40,000 THB 1,5%

Advantages

Free of choice of currency between KHR, USD and THB
‣  A reasonable interest rate, calculated based on outstanding balance.
‣  Borrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the arranged installment date.
‣ You can make a repayment from any branches of the Amret network in Cambodia if you need.
‣  Flexible repayment loan terms and plans that suit your business requirements.

Amret make it easy

To apply for an Amret Consumption Loan, you'll need to follow these simple steps:
‣  Talk to Amret's staff in your village or at the nearest Amret branch.
‣  Request a specific amount and arrange terms that are catered to your needs.
‣  Provide simple information and the necessary documents - your application form will be filled in by Amret's staff.
‣  Client with individual property can apply for loan with Amret if they can find a relative to pledge their property instead of them.

Credit Credit Credit Credit

Bio-degester

Bio-digester Loan is designed for individuals intending to build a bio-digester plant in order to improve their living standard and contribute to reduction of environment pollution. Client can apply for loan up to USD 1,000 with interest rate 1.2% and maximum loan term 24 months by using a declining balance calculation method with declining and annuity repayment method, including up to 3 month grace period.

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Advantages

‣  Very low interest rate.
‣  Very low interest rate.
‣  Receive USD 150 free from NBP to repay loan.
‣  Borrow and repay funds at the nearest Amret branch or at your house. One more thing, you can make a repayment from any branches of the Amret network in Cambodia if you need.
‣  You can make a repayment from any branches of the Amret Network in Cambodia if you need.
‣  After two installment there is no penalty if client paid off loan. Otherwise, client is available to use USD 150 from NBP to be paid off/paid over amount without admin fee charging even in during first two installments.
‣  Save money in average USD 12 per month.
‣  Help to protect the environment in society.



comsump comsump

Amret make it easy

To apply for an Amret bio-digester loan, you'll need to follow these simple steps:
‣ Talk to Amret's staff in your village or at the nearest Amret branch.
‣  Request a specific amount and arrange terms that are catered to your needs.
‣  Provide simple information and the necessary documents - your application form will be filled in by Amret's staff.
‣  Client with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Credit Credit Credit Credit

SME Loan

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The SME Credit product line is diversified to provide to existing small and medium enterprises funds (commerce, manufacturing, service, agriculture), to expand their existing business by financing working capital and/or investment, or to diversify their activities by creating a new business.
Grace period can be granted in such period depending on your business seasonality.

Interest Rates

Small Business loan
Loan Size Interest rate Duration
Up to 100,000 USA 1,2%-1,4% 3 - 60 Months


Advantages

A reasonable interest rate calculation, calculated based on outstanding balance.
‣ Borrow and repay funds at the nearest Amret branch.
‣  Borrow and repay the loan at the nearest Amret branch.
‣  The repayment is also allowed through money transfer from any Amret’s branches in Cambodia.
‣  Flexible loan terms and repayment plans that a line to your business situation.
‣  No admin fee in case over payment or pay off early maturity date.

Amret make it easy

To apply for an Amret bio-digester loan, you'll need to follow these simple steps:
‣ Talk to Amret's staff in your village or at the nearest Amret branch.
‣ Request a specific amount and arrange terms that are catered to your needs.
‣ Provide simple information and the necessary documents - your application form will be filled in by Amret's staff.
‣ Applicant who has no owner property is still eligible to request for loan with Amret if they can find his relative to pledge adequate property instead.

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Credit Credit Credit Credit

Housing Loan

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Small Housing Loan provides to individuals Salary Earner, micro and small entrepreneurs and farmer whom have regular income between USD 300 to USD 2,000 per month at rural, semi-urban and suburb to buy or build new house on their ownership land.

Interest Rates

Small Housing Loan
Loan Size Interest rate Duration
Up to 80,000,000 KHR ១,៥% ៣-៦០ ខែ
Up to 20,000 USD 1,3% - 1,5% ៣-៦០ ខែ
Up to 640,000 THB 1,5% ៣-៦០ ខែ
Advantages

‣  You can make a repayment from any branches of the Amret network in Cambodia if you need.
‣  Flexible loan terms and repayment plans that fit to your business requirements.
‣  Especially, client is able to top up loan up to 30% of original borrowing amount if unexpected expense occurs during construction period.

Amret make it easy
To apply for an Amret Loan Small Housing Loan, you'll need to follow these simple steps:
‣  Talk to Amret's staff in your village or at the nearest Amret branch.
‣  Request a specific amount and terms that are catered to your needs.
‣  Provide simple information and the necessary documents - your application form will be filled-in by Amret's staff Client with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Amret’s Operations Area

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