Agri Input Loan

The Agri-Input Loan supports farmers to access agricultural inputs such as fertilizer, pesticide, fuel, seeds, and other related products from LOLC’s approved partner suppliers. Instead of providing cash directly, LOLC facilitates payment to the supplier, helping ensure the loan is used for farming purposes and supporting stronger cooperation between farmers, suppliers, and LOLC.


Key Benefits for Farmers

  • Fast loan approval of up to USD 30,000
  • Timely access to agricultural inputs
  • May be available without collateral
  • Loan term aligned with the crop cycle
  • Principal and interest repaid at the end of the loan cycle
  • Early repayment allowed without penalty

Key Benefits for Partner Suppliers

  • Secure payment through LOLC
  • Improved cash flow and working capital
  • Expanded sales opportunities with farmers
  • Reduced pressure from informal credit arrangements
  • Stronger partnership with farmers and LOLC

Eligibility Requirements:

  • For Farmers:
    • Must be engaged in agricultural production within LOLC’s service area
    • May cultivate owned or leased land
    • Must be aged between 18 and 65 years old
    • Must use the loan only to purchase input from LOLC’s approved suppliers
    • Must agree to LOLC’s terms and conditions
  • For Partner Suppliers:
    • Must be legally operating
    • Must be able to supply quality inputs on time
    • Must agree to LOLC’s verification, invoicing, and partnership conditions
    • Must follow LOLC’s required transaction process

Product Features:

Product Feature Description
Currency KHR or USD
Loan Size Up to USD 30,000
Loan Term 1 month to 4 months
Loan Approval Fee 2% per loan cycle
Monthly Interest Rate 1.2% to 1.5%
Repayment Mode Principal and interest repaid at the end of the loan cycle
Loan Purpose Purchase of agricultural inputs from approved suppliers
Early Repayment Allowed without penalty

Prohibited Activities of LOLC (Cambodia) Plc. :

  1. Production or trade in any product or activity deemed illegal under host country laws or regulations or international conventions and agreements, including without limitation host country requirements related to environmental, health and safety and labor aspects.
  2. Production or trade in weapons and munitions.
  3. Production or trade in alcoholic beverages (excluding beer and wine).
  4. Production or trade in tobacco.
  5. Gambling, casinos and equivalent enterprises.
  6. Trade, production, breeding or possession of animals, plants or any natural products in breach of the provisions of CITES*.
  7. Production or trade in radioactive materials.
  8. Production or trade in or use of unbonded asbestos fibers.
  9. Commercial logging operations or purchase of logging equipment for use in primary tropical moist forest.
  10. Production or trade in pharmaceuticals subject to international phase outs or bans.
  11. Production or trade in pesticides/herbicides subject to international phase outs or bans.
  12. Fishing activity using a driftnet in excess of 2.5 km in length.
  13. Production or activities involving harmful or exploitative forms of forced labor/harmful child labor.
  14. Production or trade in products containing Polychlorinated biphenyls (PCBs) **.
  15. Production or trade in ozone depleting substances subject to international phase out.
  16. Production or trade in wood or other forestry products from unmanaged forests.
  17. Production, trade, storage, or transport of significant volumes of hazardous chemicals, or commercial scale usage of hazardous chemicals. Hazardous chemicals include gasoline, kerosene, and other petroleum products.
  18. Production or activities that impinge on the lands owned, or claimed under adjudication, by Indigenous Peoples, without full documented consent of such peoples.
  19. Business activities that could cause the land dispute, land loss, the loss of land possession, land use restriction, not allowing for residential enjoyment or other business operations thereon, and business activities that could cause evacuation and involuntary resettlement.  
  20.  Any business relating to pornography or prostitution.
  21. Persistent Organic Pollutants (POPs); GHG emission, Carbon (Co2), water pollution and ground water contamination.
  22. Plantation projects that would require the removal of existing non-degraded natural forest.
  23. Cross-border trade of waste, except those authorized by the​ BALSE Convention and its underlying regulations.
  24. Business activities involving the production or generation of significant amount of solid and liquid/water waste. 
  25. Business activities that could cause hug explosion, hug dust, smoke, disturbing noise, causing adverse effect the safety and security of daily work, and living of people in the surrounding area. 
  26. Business activities involving the use of high volume of electricity/power, paper or water that could cause interruption to the neighboring community. Business activities that seen overexploitation natural resources.
  27. Production and distribution or participation to racist, anti-democratic media or media advocating discrimination of one part of a population.
  28. Sector with little linkage effects, high risks and /or subject to speculation, e.g. Real Estate.
  29. Production or services, which cause recognized and serious damage to the natural environment and are forbidden under the laws of Cambodia for that reason.
  30. Projects involving the construction of large dams that significantly and irreversibly***.
  31. Projects in, impacting, or cause the loss of natural World Heritage Sites such as memorial/worship/holy site, farmland, village or community. 
  32. Projects in or impacting areas on the United Nations List of National Parks and Protected Areas.
  33. Extraction or infrastructure projects in or impacting: protected area Categories I, II, III, and IV as defined by the International Union for the Conservation of Nature.
  34. Activities that could cause Significant Environmental Harm; that could cause the loss of living thing, loss habitats to the life of   rare species and common species. Business activities could cause the rising of unfriendly species, invasion of alien species,   epidemic disease/cholera.  
  35. Located in or sufficiently near sensitive locations of national or regional importance to have perceptible environmental impacts.
  36. Giving or receiving gifts that could be interpreted as intending to influence business decisions.
  37.  Making political contributions, i.e., to political parties or candidates. 
  38. Abusing confidential or material, non-public information. 
  39. Financial or economic crime, including involvement in money laundering.  
  40. Illegal or deceitful recording and reporting of financial and/or tax information.
  41. Business transactions where the price for goods or services is set artificially high or low.
  42. Any equipment, sector, or service subject to economic sanctions issued by the United Nations, the European Union or France, without absolute or relative restriction regarding the amount.
  43. Illicit trade or activities that facilitate the illicit traffic of cultural property.
  44. Illicit activities involving organs, tissues and products of the human body, or genetic engineering activities banned by the national bioethical standards of France or of the host country, and by relevant applicable European or inter national standards.
  45. Projects whose purpose and/or approach are inconsistent with human rights, and in the case of private sector financing, projects underpinned by rationales that clearly contradict the United Nations Guiding Principles on Business and Human Rights.
  46. Crude oil refineries and installations for the gasification and liquefaction of 500 tons or more of coal or bituminous shale per day. 

How to Apply :

Farmers can contact an approved agricultural input supplier partnered with LOLC or visit the nearest LOLC branch. After submitting the required information, LOLC will assess eligibility and, once approved, provide a credit limit for purchasing input from the approved supplier.

For more information, please contact the nearest LOLC branch or approved agricultural input supplier in your area.

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