Lecture series
How to read the Cambodia lending market
How Cambodia's lending market is built and how to read it: the economy and the role of the US dollar, the public institutions and what each publishes, the types of lenders and how they are licensed, the statistics to watch, household and microfinance borrowing, and the questions to ask before entering, with the market placed against its neighbours and other regions. Six lessons.
3 of 6 lessons published. Lesson 1 is free to read.
Listen to this course
Now playing
Press play to start
- 01How the market is built: the economy, the dollar and credit, against neighbours and other regionsCambodia is a small economy where most money is held in US dollars, where credit has grown large compared with the size of the economy, and where many adults still have no account. This lesson explains how to read these features against neighbours and other regions, using dated figures as examples, and what they mean for a lender.
- 02The public institutions: the central bank, the other regulators, the credit bureau and the payment systems, and what each publishesCambodia's lending market rests on a few public institutions: the National Bank of Cambodia, a separate authority for non-bank financial services, a credit bureau and the central bank's payment systems. This lesson explains what each does, what each publishes and how a lender can use it.
- 03Types of lenders and how they are licensed: banks, microfinance institutions, leasing companies and rural credit operatorsCambodian law defines banking by what an institution does, and the National Bank of Cambodia licenses lenders in tiers, from commercial banks to rural credit institutions. This lesson explains the tiers, how many institutions there are and how much of the system each holds, and why institutions move between tiers.
- 04The statistics to watch and how to read them: credit growth, loan quality, interest rates and the currency mix
- 05Households and microfinance: borrowing, collateral and over-indebtedness in the data and research
- 06Questions to ask before entering the market
Quiz and certificate 7 questions; those on lesson 1 are free to try. Read every published lesson and score 80% or more for a certificate of completion.
Take the quizCambodia: research and figures →Cambodia: lending rules →Credit bureaus →Southeast Asia in the world (course) →All courses →