Products and Services

Loan Products

  • Micro Loan
  • Small Loan
  • Wash Loan
  • This loan type is to serve the lower income people and socioeconomic activities in rural and urban areas to help improve their standards of living. This loan type has been designed for people who make their living on micro/ small businesses and agriculture activities such as rice culture, animal husbandry, and other similar businesses within their community. This loan product is offered in both Khmer Riels and US dollars. In general, the Khmer Riel currency serves most clients of the Village Bank Loan and Group Solidarity Loan.
     Loan Size
    Loan Term
    Interest Rate
    Lending Methodology
      100,000 - 1,000,000 Riels
      25 - 250 USD
      4 - 18 Months
    1.50%
    . Village Bank Loan
    . Group Loan
    . Individual Loan
      1,000,000 - 2,000,000 Riels
      251 - 500 USD 
      4 - 24 Months
     1.50%
    . Group Loan
    . Individual Loan
     
     Benefits from SAMIC's Loan
    • Free choice of currencies - USD or Khmer Riels
    • Reasonable interest rate
    • Door-step and branch office loan delivery
    • Interest calculation based on principal outstanding
    • Repayment methodology based on customer business income
    • Fast service and friendly staff
    • Appropriate loan term

    Loan Criteria

    • Age between 18-65 years old
    • Residential in SAMIC operation areas
    • Legal identity document, NID, etc
    • Positive cash flows

     

  • This is a type of loan products providing to clients - in both rural and urban areas – who have their regular small / micro businesses in several sectors. It is provided in two currencies – Khmer Riel and US dollars. The purpose of this loan is to help clients initiate new businesses and/or expand their existing ones for more profitability with sustainable growth. 

     

    Loan Size
    Loan Term
    Interest Rate
    Lending Methodology
      2,000,000 - 4,000,000 Riels
      501 - 1,000 USD
      4 - 24 Months
     1.50%

    Individual Loan

      1,001 - 1,999 USD 
      4 - 24 Months
     1.50%
      2,000 - 3,999 USD 
      4 - 36 Months
     1.50%
      4,000 - 6,999 USD
      4 - 36 Months
     1.40%
      7,000 - 10,000 USD
      4 - 36 Months
     1.40%
      10,000 - 15,000 USD   4 - 36 Months  1.30%

    Benefits from SAMIC's Loan

    • Free choice of currencies - USD or Khmer Riels
    • Reasonable interest rate
    • Door-step and branch office loan delivery
    • Interest calculation based on principal outstanding
    • Repayment methodology based on customer business income
    • Fast service and friendly staff
    • Appropriate loan term
    Loan Criteria
    • Age between 18-65 years old
    • Residential in SAMIC operation areas
    • Legal identity document, NID, etc
    • Positive cash flows

     

  •  WASH Loan Product is designed in order to offer poor and medium people the opportunity to improve current water and sanitation status by providing water and sanitation loans. It is provided in two currencies – Khmer Riel and US dollars.​

    Loan Size
    Loan Term
    Interest Rate
    Lending Methodology
    100,000 - 1,000,000 Riels
     25 - 250 USD 
      4 - 24 Months
     1.50%

    Individual Loan

    1,000,100 - 2,000,000 Riels
    251 - 500 USD 
      4 - 18 Months
     1.50%
    2,000,100 - 4,000,000 Riels
    501- 1,000 USD 
     4 - 24 Months
     1.50%
    4,000,100 - 6,000,000 Riels 
    1,001 - 1,500 USD
      4 - 24 Months
     1.50%

    Benefits from SAMIC's Loan

    • Free choice of currencies - USD or Khmer Riels
    • Reasonable interest rate
    • Door-step and branch office loan delivery
    • Interest calculation based on principal outstanding
    • Repayment methodology based on customer business income
    • Fast service and friendly staff
    • Appropriate loan term
    Loan Criteria
    • Age between 18-65 years old
    • Residential in SAMIC operation areas
    • Legal identity document, NID, etc
    • Positive cash flows

    Water and sanitation credit product provides financial support to its clients in improving and promoting clean water and sanitation facilities such as the following:
    1) Latrine construction
    2) Pump-well / dug-well installation
    3) Clean water connection
    4) Buying pumping machine or motor-pump
    5) Buying water tanks
    6) Concrete basin installation for harvesting rain water
    7) Buying water jar
    8) Buying water filter
    9) Renovation of bathroom, latrine and wells
    10) Other water and sanitation facilities

SOCIAL AND ENVIRONMENTAL RESPONSIBILITIES

  • Agriculture Training

    Agriculture Training

    Over 50% of SAMIC Plc clients are engaged in agriculture activities. To help these clients improve the agricultural output, in 2015 SAMIC Plc engaged Rural Lives Development Organization (RLDO), who ... Read more
  • Clean City

    Clean City

    On 22nd November 2014, SAMIC had conducted cleaning environment by collected garbage along the Ocheur Teal beach at Preah Sihanouk province in order to raise awareness of air pollution cause by ... Read more
  • One Client One Tree

    One Client One Tree

    To raise awareness of green environment to our clients and their communities, on 19 July 2014 SAMIC Plc launched an environmental campaign called ‘One Client One Tree’ in which 700 small ... Read more