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Group Loan (GL)

Group Loan (GL) aims to help clients run and to grow their micro or small businesses. The target clients should have or operate a micro or small business and require up to 8,000,000 riels or its equivalent for working capital or acquisition of fixed assets. Prospective clients are encouraged to form joint-liability groups of 2-7 members among their community members with similar needs and apply for a GL.

LOLC’s Group Loan offers clients a number of key benefits:

  • No requirement of physical collateral,
  • Convenient option to apply for and repay the loan at nearest LOLC office or at your community or any money transfer agents which has been incorporated with LOLC,
  • A reasonable interest rate, calculated based on outstanding balance,
  • Flexible loan terms and repayment plan that adapt to your personal or business need,
  • Easy and flexible group formation.

GL is designed for adapting to the needs of our clients by allowing several options of repayment mode:

  • Fixed installment (monthly interest and principal repayment),
  • Semi-balloon (monthly interest repayment and the principal repayment based on cash flow analysis and mutual agreement),
  • Balloon (monthly interest repayment and the principal payment at the end of the contract),
  • Annuity, or
  • Flexible annuity.
Currency Loan SizeInterest Rate Per MonthLoan Term
KHR up to 8,000,0001.5%3 – 36 months
USDup to 2,0001.5%3 – 36 months
THBup to 80,0001.5%3 – 36 months


Processing fee is charged from 5%-7% per cycle.


  • Be a majority aged 18 to 70 years old
  • Create a joint-liability ranging from 2 to 7 members per group with the selection of a group leader.
  • Permanent resident
  • Similar purpose in using a loan   
  • Have a legal business and regular income
  • Have a good record and be reliable
  • Have enough capacity to repay the loan
  • Have ID card and family book, or resident book, or birth certificate
  • Have agreed to the loan term & conditions.

How to apply:

To apply for loan, client shall follow these simple steps:

  • Talk to LOLC staff in your area or at the nearest LOLC office or group leader in your area, or via call center 023 991 991.
  • Request a specific amount and term based on your needs.

How to Apply for Loan

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