The leading financial institutions in Cambodia with decades of experiences and human resources that are committed to both business and social growth.
Professional financial services and products
ពួកយើងបាននៅជាមួយលោកអ្នកជាង២០ឆ្នាំមកហើយ។
There are a number of ways that we can help with any inquiry. Select one of the options below to reach out to us.
FX-indexed (Exchange risk hedged) bonds to be issued to the public for the first time in Cambodia
A Saving Account offers clients an easy and simple way to Withdraw, Deposit, and Transfer money at any time and any place with no limitation. It is the best choice for clients who want to keep their money safe and also for those who need to use money daily. Open a saving account with LOLC now, you will be able to manage your cash flow and achieve your financial goal by reducing risk and cutting down any unnecessary expenses, thus increasing the efficiency of your cash management. Product Features: Currency Type: KHR, USD, THB Initial Deposit/Minimum Balance: Optional for initial balance Interest Payment: Interest is accrued daily and capitalized at every month end Account Type: Individual Account, Joint Account, Corporate Account Transaction Channel: At LOLC counter during business hours, Through iPay Cambodia, Though ATM Machine 24/7 under CSS Members, Through e-Banking/Internet Banking Withholding Tax: Resident 4%, Non-resident 14%, Bank/Microfinance/ Government 0% Saving Interest Rate: Individual/Non-Financial Institution: KHR/USD/THB, 3% Financial Institution: KHR/USD/THB, 1% Fee Charge: Request for new Savings Passbook (lost or damaged): 20,000, 5.00, 200 Request for Account Balance Confirmation: 20,000, 5.00, 200 Dormant account’s annual fee charge: 20,000, 5.00, 200 Request to Close Savings Account before one month after opening date: 20,000, 5.00, 200
Simply switch your credit service to LOLC, a helpful financial advisor
We have been helping Cambodians for over 20 years.
It has been a backbone for LOLC’s transformation and successes.
New Ownership Structure in 2018
Organization Structure The organizational chart of LOLC displays main executives and key members. This is the latest structure which is established to accelerate the next phase of LOLC’s vision and strategy.
The Audit Committee is the standing committee of the Board of Directors.The purpose of the committee is to assist the Board of Directors in fulfilling its oversight responsibility relating to:
Mr Brindley de Zylva is the Chairman of the Board of LOLC (Cambodia) Plc. He is also the managing director of LOLC Myanmar Microfinance
Mr Sok Voeun, Chief Executive Officer, obtained his Master’s Degree in Business Administration, majoring in Finance and Banking at Build Bright University in Cambodia in 2005.
LOLC Cambodia has been acknowledged as the leading MDI in Cambodia.
The highlight provide insight into LOLC (Cambodia) Plc. performance and how far the financial institution have achieved recently. It provides brief information on LOLC’s operation such as number of staffs, net income, assets and much more. Visit the table below to find out more. Operational Highlight
Financial Statement is an essential publication by the financial institution and LOLC prepares financial statement in accordance with Cambodian International Financial Reporting Standards (CIFRSs). For the purpose of transparency, financial position, performance and key financial ratios with the latest period as well as reports from previous years are published. The growth in loan portfolio, customer deposit and borrowing are indicators that LOLC (Cambodia) Plc. is a trusted financial institution to both customers and lenders.
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How does LOLC translate its policy into practices and impact? Find out more in this section where it showcases the effective translation of an institution’s mission into practice that inline with the accepted social values. LOLC implements the integration of Universal Standard of Social Performance Management into its policy, procedure, training, internal control and implementation. 1. How do we translate our mission as of December 2021? 2. Measuring LOLC’s Social Goals 3. Implementing Universal Standard of social performance Management (USSPM) 4. How LOLC implements responsible finance and 7 client protection principles? 5. How LOLC translates Sustainable Development Goals (SDGs) into implementation (as of December 2021)? 6. Social Product 7. Environmental and Social Assessment 8. Measuring Poverty Outreach through PPI 9. Analyze Portfolio and Profit Breakdown by Client’s Poverty Level 10. Client Rights 11. Financial Literacy 12. Other Social Activities
Below are the Financial Statements audited by the External Auditor available in the PDF format:
Financial Statements For the Year Ended 31 December 2021 Financial Statements For the Year Ended 31 December 2020 Financial Statements For the Year Ended 31 December 2019 Financial Statements For the Year Ended 31 December 2018 Financial Statements For the Year Ended 31 December 2017 Financial Statements For the Year Ended 31 December 2016 Financial Statements For the Year Ended 31 December 2015 Financial Statements For the Year Ended 31 December 2014 Financial Statements For the Year Ended 31 December 2013 Financial Statements For the Year Ended 31 December 2012 Financial Statements For the Year Ended 31 December 2011
Financial Statements For the Year Ended 31 December 2010 Financial Statements For the Year Ended 31 December 2009
Financial Statements For the Year Ended 31 December 2008 Financial Statements For the Year Ended 31 December 2007 Financial Statements For the Year Ended 31 December 2006
Financial Statements For the Year Ended 31 December 2005 Financial Statements For the Year Ended 31 December 2004
Financial Statements For the Year Ended 31 December 2003
Audited Financial Statement
Rating is an accreditation from the international recognized entity on the microfinance in the field of social practice, credit/ financial performance, information security, and client protection. The latest rating as well as the rating from the previous year is available for download below: Financial Rating 2020 Social Rating 2020 Institutional Rating 2017 Company Report 2014 Social Rating 2014 Institutional Rating 2014
As a financial institution that is committed to transparency, LOLC (Cambodia) Plc. offers public access to its Annual Reports. The reports are available to download in PDF files format.
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The guideline regarding code of conduct and complaint handing process are available to download below:
Code of Conduct and Ethics
Complaint Handling Process
Prohibited Activities of LOLC
Client Credit Discipline By Using A4 Metacard
Avoidance and High Cautious Activities for LOLC Staffs
Guidelines
Diverse lending base
Careers
LOLC Frequently Asked Question
Financial lease (FL) is offered to clients who wish to use movable assets such as motorbikes, tricycles, cars and agriculture machineries, heavy equipment for their daily business or personal activities in long-term financing period without investing their own capital or using working capital. LOLC authorizes client to fully manage and use the identified movable assets during the lease period. Client can become its legal owner at the end of lease period by just paying monthly lease fee to LOLC including insurance fee charges. Currency: USD, Lease Amount: up to 50,000, Lease Rate Per Month: 1.4% - 1.5%, Lease Term: 12 – 60 months. Fee: Processing fee is charged from 1% - 1.5% per cycle. Insurance and administration fee is charged from USD 10 – USD 50 per month.
LOLC ATM Card offers you high convenience and security in managing your cash better. With the card, you can perform self-banking transactions with CSS members such as: Cash Withdrawal, Purchase, Balance Inquiry, PIN Change, Mini Statement and Fund Transfer within LOLC/Inter Bank Fund Transfer. Product Features: Currency: KHR, USD Initial Deposit or Minimum Balance: Customer shall be to have balance KHR 40,000 or USD 10 in account ATM Transaction Type: 1. Via ATM Machine: Cash Withdrawal /Fast Cash, Balance Inquiry, Mini Statement, Transfer within LOLC/Inter Bank Fund Transfer, PIN Change 2. Via POS Machine: Purchase, Cash Withdrawal, Refund, Purchase Reversal, Balance Inquiry Account condition for request ATM Card: Single Account, Joint Account (Any One Of Us): Ex: If an account joint there are 2 or 3 people, each customer can request an ATM card by signature or respective thumbprint. Account Linking to Card: On ATM Card can link to only one saving account and one customer can request maximum 2 cards by link different of saving accounts as free of charge. In case of more 2 ATM Cards, customer is required to pay fee to LOLC. Amount and Transaction number with CSS member: 1,000 USD/tran, 1,000 USD/day, Transaction 10 times/day, note: Amount per transaction based on Acquire (ACQ). Conditions for Required to Fill out the Form LOLC ATM Card: In case the customer comes to any LOLC branches to request as following, application form is required, First Issuing ATM card, Request for replacement of ATM Card (Damage or Lost), Request new PIN, Request to cancel ATM Card, Request block ATM Card, Request unblock ATM Card, Request clear PIN code number, Request to modify ATM Card Fee Charge: Any transactions via ATM & POS under CSS members: Free of charge Request for ATM Card more than 2 cards: 5 USD, 20,000 KHR Request for replace ATM Card (Lost/stolen or damage): 5 USD, 20,000 KHR Close ATM Card before 3 months: 5 USD, 20,000 KHR
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/reports/lolc-annual-report-2019-eng.PDF
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2017-eng.pdf
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2016-eng.pdf
Simply switch your credit service to LOLC, a helpful financial advisor
It is the best and most effective choice for using local money transfer service with LOLC as you can transfer, deposit and withdraw your money at any LOLC offices in the nationwide during working hours. LOLC has been providing the Local Money Transfer since 12 February 2018. The service is another extension by LOLC, one of the biggest MDIs in Cambodia that have more than 26 years of experience in providing financial products and services to people those who are living in rural area and urban area. Product Features: Currency: KHR, USD, THB Type of Transfer: Account to Account Transfer: Within Branch, Cross Branches Cash Deposit/Withdrawal: Within Branch, Cross Branches Requirement: Account to Account Transfer: Sender and receiver are required to have savings account, Sender must have sufficient balance for conducting the transfer, Sender must fill-in the transaction slip and assure both receiver and sender’s information precisely. Cash Deposit Cross Branches: Sender is required to have phone number if transaction is
Fast Payment Service (FAST) is an initiated by the National Bank of Cambodia and in cooperation with commercial banks and MDIs in order to provide convenience and safe service of transferring or receiving money under FAST members. Product Features Feature: Method: iPay Cambodia and Internet Banking, Currency: KHR, Middle: Sender/Receiver is required to have saving account with LOLC and other Banks/MDIs under FAST members, Maximum Transfer Amount per Transaction: KHR 40,000,000, Maximum Transfer Amount Per Day: KHR 80,000,000, Account Balance: Customer is required to have sufficient balance to transfer Fee Charge, FAST Members (as of December 2021)
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2018-eng.pdf
Easy, safe and elegant way with LOLC
Whether you are an existing or new customers, it is always easy to apply for a loan with LOLC.
For the bright future of your family
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iPay Cambodia is a mobile banking powered by LOLC (Cambodia) Plc. It allows customer to perform transactions on their saving account anytime and anywhere. Customers able to perform any transactions such as balance inquiry, fund transfer (within LOLC or inter-bank), open Fixed Deposit account, mobile top-up, and other transactions with fast and secure. Customers can download iPay Cambodia through AppStore or PlayStore or scan QR Code at the backside of leaflet. Product Features: Currency: KHR, USD, THB Amount Limitation: Maximum limitation per transaction: KHR 40,000,000 or USD 10,000 or THB 400,000, Maximum limitation per day: KHR 80,000,000 or USD 20,000 or THB 800,000. Transaction Types/Functions: Inter-bank transfer (FAST Service, Real Time Fund Transfer Service and Bakong Service), Money Transfer from account to account within LOLC, Money transfer or make payment through QR Code, Mobile Top Up, Open Fixed Deposit account, Standing Order, Loan Payment, View Loan Details and Request New Loan Against FD, Bakong Top Up, Bill Payment, Split Bill, Activate & Deactivate ATM Card, Balance inquiry / mini statement, Other transactions Fee Charge: The service is free of charge for any transactions. Member of KHQR as 11 May 2022, List of Merchant in Phnom Penh, List of Merchant in Provinces, Summary How to use iPay Cambodia
An easy technique to calculate the repayment or the instalment of our products & services. Financial Calculator
A safe place for your money and where you can invest your money.
The Small and Medium Enterprise Loan (SME) aims to support individuals, companies or enterprises in running or expanding their businesses in all legal sectors, including trade, services, agri-businesses and manufacturing. The loan product targets clients with small to medium size businesses requiring a loan from 40,000,001 riels upward or its equivalent. Currency: KHR, USD, THB Loan Size: from 40,000,001 KHR upward, from 10,001 USD upward, from 400,001 THB Interest Rate: 1.2% - 1.5% Loan Term: 3 – 120 months Fee: Processing fee is charged 1% per cycle.
The Seasonal Loan (SNL) is designed to support farmers and traders in agriculture activities such as animal raising, fishing, agri-business, and relevant agriculture productions. This loan provides clients who have a reliable and stable source of income and strong collateral, but their income-based activities are on a seasonal basis rather than a steady monthly income. Currency: KHR, USD, THB Loan Size: up to 120,000,000 KHR, up to 30,000 USD, up to 1,200,000 THB Interest Rate: 1.2%-1.5% Loan Term: 3 – 72 months Fee: Processing fee is charged 1%-6% per cycle.
The Housing Loan (HL) provides access to clients who wish to buy houses that are already built or are being built. The loan is also applicable for clients who wish to build their own house on existing land property. Housing Loan is provided to both new and LOLC’s existing clients with the loan size up to KHR 400,000,000 or equivalent to USD 100,000. The loan term is up to 120 months, and interest calculation is based on the outstanding balance of the loan. Currency: KHR, USD Loan Size: up to 400,000,000 KHR, up to 100,000 USD Interest Rate: 1.2% - 1.5% Loan Term: 3 - 120 months Fee: Processing fee is charged 1% per cycle.
Loan for Agriculture Machinery
The WASH Individual Loan (WIL) is one of the LOLC’s committed products provides clients to improve their water, sanitation and hygiene in community. Target clients are those in good standing with LOLC who want to build or renovate latrine, well, pond digging, water storage or buy water filter etc. with a maximum loan size of $3,000 or its equivalent and a longer loan term (up to 48 months), WIL is designed for clients to improve their well-being. Currency: KHR, USD, THB Loan Size: up to 12,000,000 KHR, up to 3,000 USD, up to 120,000 THB Interest Rate: 1.5% Loan Term: 3 – 48 months Fee: Processing fee is charged from 5% - 7% per cycle.
A Fixed Deposit Account offers a greater rate of return for clients’ commitment in keeping the savings on deposit with LOLC Cambodia for a specific period of time. Clients have the option to withdraw interest at the end of each month or at the end of the term. Product Features: Currency: KHR, USD, and THB Initial Deposit: KHR 200,000, USD 50, THB 2,000 Term: 1 month, 3 months, 6 months, 9 months, 12 months, 24 months, 36 months Interest Payment: Pay every month end, at the end of maturity. Deposit Condition: Can be made only one time when opening FD account, For new deposit amount, customer can open new FD accounts Account Type: Individual Account, Joint Account, Corporate Account Rollover Condition: Non-Renewal, Principal Rollover, Principal and Interest Rollover Withholding Tax: Resident 6%, Non-Resident 14%, Bank/Microfinance/Government 0% Interest Rate: Interest Withdrawal at Maturity Term: 24-36M: 7.60%, 12M: 7.50%, 9M: 6.25%, 6M: 6.00%, 3M: 5.00%, 1M: 3.75% Monthly Interest Withdrawal: Term: 24-36M: 7.35%, 12M: 7.25%, 9M: 6.00%, 6M: 5.75%, 3M: 4.75%, 1M: 3.75% Up to 30 Sep 2022, for any Fixed Deposit balance from USD50 or THB2,000 and Term is 1, 3, 6, 9, 12, 24, & 36 months you will get extra 0.15% interest rate (include FD opening through counter and iPay User App). Up to 30 Sep 2022, for any Fixed Deposit balance from KHR 200,000 and Term is 1, 3, 6, 9, 12, 24, & 36 months you will get extra 0.50% interest rate (include FD opening through counter and iPay User App)
Loans wish to build a new home or renovate existing home.
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Whether you are an existing or new customers, it is always easy to apply for a loan with LOLC.
Appointment Booking
Branches Map
Branches Location
To compensate, motivate and retain our good talent people, we have provided benefits for both of employees and intern includes: 1. Benefits for Employees 2. Benefits for Interns
It is important to find out everything you may need to know to give your application the best possible chance for success at LOLC. Firstly, interested candidate can find information regarding available positions and other relevant opportunities via the channels
Join the excellent service workforce
LOLC (Cambodia) Plc., one of the leading microfinance deposit-taking
Media
Latest News
LOLC Songs
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Convert foreign currencies to and from Cambodian Riel using LOLC’s simple calculator.
A better way to send and receive fund with an international recognized MDI
LOLC offers a wide range of calculators that you might find useful when using LOLC’s financial services or product. The calculator can help you estimates your loan/lease repayments or interest earning from saving
This loan calculator will help you to determine the monthly payment of your loan. This calculator allows you to estimate how much the monthly repayments will be depending on loan amount, loan term, interest rate, and repayment mode for you to reckon all the possibilities of applying a loan with LOLC (Cambodia) Plc Note : - This calculator is designed for an indication purpose only and some charges might be applied. - For our services requirements and more information, please contact our nearest branch or Call Center.
This Savings calculator is used to calculate the estimated amount of total monthly interest earned based on savings interest rate. The interest is daily accrued and capitalized at every month end.
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This financial lease calculator will help you to determine the monthly payment of your lease fee based on size of your lease amount and duration, for those who want to lease moveable properties such as motorbike, trailer (tricycle), car and agricultural machinery to use for personal or business purpose from LOLC (Cambodia) Plc Note : - This calculator is designed for an indication purpose only and some charges might be applied. - For our services requirements and more information, please contact our nearest branch or Call Center.
Simply switch your financial burden to LOLC, your personal and business partner for growth
For the bright future of your family
Drive away with your dream vehicles with the financial lease option by LOLC.
Drive away with your dream vehicles with the financial lease option by LOLC.
The Life Improvement Loan Asset Backed (LILAB) provides clients with opportunities to get the loan for purchasing moveable assets such as motorbike, tricycle, car, generator, or agriculture machinery, heavy machinery etc. with reasonable interest rate and loan term. LOLC accepts the purchased assets or existing asset as collateral to guarantee the loan. This loan enables clients who have regular income from salary or business, services or other legal sources of income and require buying moveable assets to use for personal in household or for business. Throughout the provision of this product, LOLC is able to expand its market shares, increase income and maintain its sustainable operations. Currency: USD, Loan Size: up to 50,000, Interest Rate Per Month: 1.4% - 1.5%, Loan Term: 3 – 60 months Note: Loan enquiry more than $50,000 is available negotiation. Fee: Processing fee is charged from 1% - 1.5% per cycle. Insurance and administration fee is charged from USD 10 – USD 50 per month.
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. Currency: KHR, USD, THB Loan Size: up to 8,000,000 KHR, up to 2,000 USD, up to 80,000 THB Interest Rate: 1.5% Loan Term: 3 – 36 months Fee: Processing fee is charged from 5%-7% per cycle.
Prime Minister of Cambodia praise LOLC Cambodia
LOLC to receive grade A- in Microfinance Institutional Rating
Presentation and Subscription Notice " Public Offering of Debt Securities of LOLC (Cambodia) Plc."
A simple and secured way in sending and receiving money
Easy, safe and elegant way with LOLC
A better way to send and receive fund with an international recognized MDI
Bakong system or Bakong refers to a real-time electronic payment system which enable customer to perform transactions among bakong members such as transfer fund between Bakong accounts, transfer fund from Bakong account to bank account or E-Wallet, make payment via QR Code, and receive money from other Bakong accounts. Product Features: Feature: Currency: KHR and USD Maximum Amount Limitation Per Transaction and Per Day: Basic Customer: 2,000,000 KHR and 500 USD, Partial KYC: 12,000,000 KHR and 3,000 USD, Full KYC: 40,000,000 KHR and 10,000 USD Remarks: There is no limitation on number of transactions per day. Initial Deposit and Minimum Balance: Not required, Interest Rate: There is no interest rate for Bakong account (0%). Transaction Types/Functions: Transfer fund between Bakong account (Send), Transfer fund from Bakong account to bank account or E-wallet (Deposit), Make payment via QR Code (QR Pay), Receive money transfer from Bakong account (Receive), And other transactions. Fee Charge: The service is free of charge for any transactions. Bakong Top Up, Bakong Members (As of May 2022)
Real Time Fund Transfer Service (RFT) is an initiation by the National Bank of Cambodia (NBC). The initiative is introduced with an aim to assist Customers to perform transaction between RFT system members. To use this service, the sender is required to have savings account, and the receiver could receive money either via savings account or phone number. Product Features: Feature: Currency: KHR, USD, Transaction Channel: LOLC’s counter, iPay Cambodia, Internet Banking, Method: Account to Account (Account Based), Account to Phone (Phone Based). Maximum Transfer Amount: LOLC’s counter: Account to Account: Per transaction: KHR 200,000,000 or USD 50,000, Per day: unlimited, Account to Phone Number: Per transaction: Less than KHR 4,000,000 or Less than before USD 1,000, Per day: unlimited, iPay Cambodia/Internet Banking: Account to Account: Per transaction: KHR 40,000,000 or USD 10,000, Per day: KHR 80,000,000 or USD 20,000, Account to Phone Number: Per transaction: Less than KHR 4,000,000 or Less than before USD 1,000, Per day: KHR 80,000,000 or USD 20,000 Transfer Fee: The service is free of charge. Account to Account Transfer, Account to Phone Number, Members of Real-Time Fund Transfer (as of May 2022)
Loan Application Status
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Bringing together LOLC's financial, non-financial and social performance.
Investor Relation
2022-Q1 Press Release for LOLC's Financial Statement 2022-03-22-LOLC Press Release for SERC_FYE 2021 Report CIFRS 2022_Feb_23_Annocement_in_Rename_in_LOLC_Shareholder 2022-02_14_LOLC Press Release for SECC_Q4_2021 Report CIFRS 2021-11-12-LOLC Press Release for SECC-Q3-2021 Report CIFRS 2021-10-22 Annoucement on Coupon LOLC 2021-08-13-LOLC Press Release for SECC-Q2-2021 Report CIFR 2021-07-12 PressReleaseOnchangeQ1-2021 Page7&8 in ENreport and page 6,20&21 2021_04_23_Annoucement on LOLC's Coupon Payment 2021-03_13_LOLC Press Release for SECC_Q1_2021 Report CIFRS 2020-Press Release for LOLC's Annual Financial Statement 2020-Q4 Press Release for LOLC's Financial Statement 2020-Q3 Press Release for LOLC's Financial Statement 2020-Q2 Press Release for LOLC's Financial Statement 2020-Q1 Press Release on Delay Publishing LOLC's Financial Report 2020-Q1 Press Release for LOLC's Financial Statement 2020-10-23 Announcement on LOLC's Coupon Payment 2020-04-24 Announcement on LOLC's Coupon Payment 2019-Q4 Press Release for LOLC's Financial Statement 2019-Q4 and FYE 2019 Press Release on replace point 19.b. of Financial Report 2019-Q3 Press Release for LOLC's Financial Statement 2019-Q2 Press Release for LOLC's Financial Statement_CIFRS 2019-Q2 Press Release for LOLC's Financial Statement_CAS 2019-Q2 and Q3 Press Release on Delay Publishing LOLC's Financial Report 019-10-25 Announcement on LOLC's Coupon Payment 2019-Press Release for Replacing Page 7 to Page 10 on LOLC's Annual Financial Statement 2019-Press Release for LOLC's Annual Financial Statement
2021-Q1_SECC Quarterly Report CIFRS 2020-Q3_SECC Quarterly Report_CIFRS 2020-Q2_SECC Quarterly Report_CIFRS 2020-Q1_SECC Quarterly Report_CIFRS 2019-Q4_SECC Quarterly Report_CIFRS 2019-Q3_SECC Quarterly Report_CIFRS 2019-Q2_SECC Quarterly Report_CIFRS 2019-Q2_SECC Quarterly Report_CAS
SERC Annual Reports
Audited Financial Statement
Contact
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2020-q3-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2020-q1-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/2019-secc-annual-report-fye-2019-en_1.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2020-q2-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2020-q2-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2019-q4-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2019-q2-secc-quarterly-report-cas-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2019-q2-secc-quarterly-report-cas-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2020-q2-secc-quarterly-report-cifrs-en.pdf
Financial Statements For the Year Ended 31 December 2021 Financial Statements For the Year Ended 31 December 2020 Financial Statements For the Year Ended 31 December 2019 Financial Statements For the Year Ended 31 December 2018 Financial Statements For the Year Ended 31 December 2017 Financial Statements For the Year Ended 31 December 2016 Financial Statements For the Year Ended 31 December 2015 Financial Statements For the Year Ended 31 December 2014 Financial Statements For the Year Ended 31 December 2013 Financial Statements For the Year Ended 31 December 2012 Financial Statements For the Year Ended 31 December 2011 Financial Statements For the Year Ended 31 December 2010 Financial Statements For the Year Ended 31 December 2009 Financial Statements For the Year Ended 31 December 2008 Financial Statements For the Year Ended 31 December 2007 Financial Statements For the Year Ended 31 December 2006 Financial Statements For the Year Ended 31 December 2005 Financial Statements For the Year Ended 31 December 2004 Financial Statements For the Year Ended 31 December 2003
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/2019-annual-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2020-q3-audited-fs-cifrs-en.pdf
2021-Q1-Audited FS_CIFRS 2020-Q4-Audited FS_CIFRS 2020-Q3-Audited FS_CIFRS 2020-Q2-Audited FS_CIFRS 2020-Q1-Audited FS_CIFRS 2019-Q4-Audited FS_CIFRS 2019-Q3-Audited FS_CIFRS 2019-Q2-Audited FS_CIFRS 2019-Q2-Audited FS_CAS
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-Khmere/2020-q2-audited-fs-cifrs-kh.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2020-q1-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2019-q4-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2019-q3-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2019-q2-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2019-q2-audited-fs-cas-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2019-q3-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/2020-q4-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/2020-q4-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/en/v-furniture
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/2020-secc-annual-report-fye-2020-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/lolc-annual-report-2019-eng-2.PDF
The Global Climate Partnership Fund (GCPF) offers green lending award to LOLC Cambodia
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https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q1-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q1-audited-fs-cifrs-en-1.pdf
LOLC Cambodia signed Credit Guarantee Agreement with CGCC
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/reports/lolc-annual-report-2019-eng.PDF
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/reports/lolc-annual-report-2019-eng.PDF
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/reports/2020-annual-report-en-final.pdf
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https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q2-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2021-q2-audited-fs-cifrs-en.pdf
Digital Promotion
Loan Promotion
Leasing Promotion
Deposit Promotion
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q3-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q3-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q3-audited-fs-cifrs-en.pdf
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LOLC Tutorial
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2018-eng.pdf
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2018-eng.pdf
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2018-eng.pdf
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https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2017-eng.pdf
https://www.lolc.com.kh/userfiles/media/188.166.205.80/reports/lolc-annual-report-2017-eng.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/reports/cv-leurnseyhamony.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/cv-leurnseyhamony_2.pdf
LOLC (Cambodia) Plc., one of the leading microfinance
LOLC (Cambodia) Plc., one of the leading microfinance
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Special Interest Rate
LOLC (Cambodia) Plc
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https://www.lolc.com.kh/userfiles/media/lolc.com.kh/SECC-Report-Q3-2020 - English/2021-q4-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-Khmer/2020-q3-secc-quarterly-report-cifrs-kh.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/SECC-Report-Q3-2020 - English/2021-q4-secc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly_Report/2021-q3-secc-quarterly-report-cifrs-kh.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2021-q4-audited-fs-cifrs-en.pdf
LOLC (Cambodia) Plc., one of the leading microfinance
Congratulation! LOLC received the Gold Level of Client Protection Certificate from Cerise and SPTF.
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/SECC/lolc-annual-serc-report-2021-eng.pdf
LOLC (Cambodia) Plc., one of the leading microfinance
LOLC (Cambodia) Plc., one of the leading microfinance
Study Tour of CamEd Business School Students
This text is set by default and is suitable for edit in real time.
This text is set by default and is suitable for edit in real time.
This text is set by default and is suitable for edit in real time.
Client Success Story
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2022-q1-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Auditee-Quarterly-English/2022-q1-audited-fs-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2022-q1-secc-quarterly-report-cifrs-en.pdf
A simple and secured way in sending and receiving money
A better way to send and receive fund with an international recognized MDI
Easy, safe and elegant
A simple and secured way in sending and receiving money
Quick and easy service with LOLC Cambodia
A better way to send and receive fund with an international recognized MDI
A simple and secured way in sending and receiving money
A simple and secured way in sending and receiving money
A simple and secured way in sending and receiving money
A simple and secured way in sending and receiving money
A simple and secured way in sending and receiving money
Signing Ceremony of Memorandum of Understanding (MoU) on project implementation of SME Co-financing
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Complaint Handling/complainthandlingprocessen.jpg
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/ANNUAL REPORTS/lolc-annual-report-2021-english-2.pdf
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The Individual Loan (IL) is designed for individual entrepreneurs that need of additional working capital or acquisition of fixed assets. The Target clients of the loan should have small or medium-size businesses which requiring loans up to 40 million Riels or its equivalent. Currency: KHR, USD, THB Loan Size: up to 40,000,000 KHR, up to 10,000 USD, up to 400,000 THB Interest Rate Per Month: 1.3% - 1.5% Loan Term: 3 – 72 months
LOLC Cambodia has been acknowledged as the leading MDI in Cambodia.
LOLC Cambodia has been acknowledged as the leading MDI in Cambodia.
LOLC Cambodia has been acknowledged as the leading MDI in Cambodia.
Mr Sok Voeun, Chief Executive Officer, obtained his Master’s Degree in Business Administration, majoring in Finance and Banking at Build Bright University in Cambodia in 2005.
Mr Sok Voeun, Chief Executive Officer, obtained his Master’s Degree in Business Administration, majoring in Finance and Banking at Build Bright University in Cambodia in 2005.
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Quarterly-Annual-English/2022-q2-serc-quarterly-report-cifrs-en.pdf
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/AUDITED/2022-q2-audited-fs-cifrs-en.pdf
iPay&Merchant Redeem
Special Interest Rate
iPay&Merchant Redeem Point
A simple and secured way in sending and receiving money
Client Success Story
Financial Statement is an essential publication by the financial institution and LOLC prepares financial statement in accordance with Cambodian International Financial Reporting Standards (CIFRSs). For the purpose of transparency, financial position, performance and key financial ratios with the latest period as well as reports from previous years are published. The growth in loan portfolio, customer deposit and borrowing are indicators that LOLC (Cambodia) Plc. is a trusted financial institution to both customers and lenders.
How does LOLC translate its policy into practices and impact? Find out more in this section where it showcases the effective translation of an institution’s mission into practice that inline with the accepted social values. LOLC implements the integration of Universal Standard of Social Performance Management into its policy, procedure, training, internal control and implementation. 1. How do we translate our mission as of December 2021? 2. Measuring LOLC’s Social Goals 3. Implementing Universal Standard of social performance Management (USSPM) 4. How LOLC implements responsible finance and 7 client protection principles? 5. How LOLC translates Sustainable Development Goals (SDGs) into implementation (as of December 2021)? 6. Social Product 7. Environmental and Social Assessment 8. Measuring Poverty Outreach through PPI 9. Analyze Portfolio and Profit Breakdown by Client’s Poverty Level 10. Client Rights 11. Financial Literacy 12. Other Social Activities
How does LOLC translate its policy into practices and impact? Find out more in this section where it showcases the effective translation of an institution’s mission into practice that inline with the accepted social values. LOLC implements the integration of Universal Standard of Social Performance Management into its policy, procedure, training, internal control and implementation. 1. How do we translate our mission as of December 2021? 2. Measuring LOLC’s Social Goals 3. Implementing Universal Standard of social performance Management (USSPM) 4. How LOLC implements responsible finance and 7 client protection principles? 5. How LOLC translates Sustainable Development Goals (SDGs) into implementation (as of December 2021)? 6. Social Product 7. Environmental and Social Assessment 8. Measuring Poverty Outreach through PPI 9. Analyze Portfolio and Profit Breakdown by Client’s Poverty Level 10. Client Rights 11. Financial Literacy 12. Other Social Activities
Digital Promotion
LOLC (Cambodia) Plc., one of the leading microfinance
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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation
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Whether you are an existing or new customers, it is always easy to apply for a loan with LOLC.
A Fixed Deposit Account offers a greater rate of return for clients’ commitment in keeping the savings on deposit with LOLC Cambodia for a specific period of time. Clients have the option to withdraw interest at the end of each month or at the end of the term. Product Features: Currency: KHR, USD, and THB Initial Deposit: KHR 200,000, USD 50, THB 2,000 Term: 1 month, 3 months, 6 months, 9 months, 12 months, 24 months, 36 months Interest Payment: Pay every month end, at the end of maturity. Deposit Condition: Can be made only one time when opening FD account, For new deposit amount, customer can open new FD accounts Account Type: Individual Account, Joint Account, Corporate Account Rollover Condition: Non-Renewal, Principal Rollover, Principal and Interest Rollover Withholding Tax: Resident 6%, Non-Resident 14%, Bank/Microfinance/Government 0% Interest Rate: Interest Withdrawal at Maturity Term: 24-36M: 7.60%, 12M: 7.50%, 9M: 6.25%, 6M: 6.00%, 3M: 5.00%, 1M: 3.75% Monthly Interest Withdrawal: Term: 24-36M: 7.35%, 12M: 7.25%, 9M: 6.00%, 6M: 5.75%, 3M: 4.75%, 1M: 3.75% Up to 30 Sep 2022, for any Fixed Deposit balance from USD50 or THB2,000 and Term is 1, 3, 6, 9, 12, 24, & 36 months you will get extra 0.15% interest rate (include FD opening through counter and iPay User App). Up to 30 Sep 2022, for any Fixed Deposit balance from KHR 200,000 and Term is 1, 3, 6, 9, 12, 24, & 36 months you will get extra 0.50% interest rate (include FD opening through counter and iPay User App)
A simple and secured way in sending and receiving money
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https://www.lolc.com.kh/userfiles/media/lolc.com.kh/Audited Quarterly Financial Statement/2022-q3-audited-fs-cifrs-en.pdf
It has been a backbone for LOLC’s transformation and successes.
We have been helping Cambodians for over 20 years.
We have been helping Cambodians for over 20 years.
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A simple and secured way in sending and receiving money
iPay Cambodia is a mobile banking powered by LOLC (Cambodia) Plc. It allows customer to perform transactions on their saving account anytime and anywhere. Customers able to perform any transactions such as balance inquiry, fund transfer (within LOLC or inter-bank), open Fixed Deposit account, mobile top-up, and other transactions with fast and secure. Customers can download iPay Cambodia through AppStore or PlayStore or scan QR Code at the backside of leaflet. Product Features: Currency: KHR, USD, THB Amount Limitation: Maximum limitation per transaction: KHR 40,000,000 or USD 10,000 or THB 400,000, Maximum limitation per day: KHR 80,000,000 or USD 20,000 or THB 800,000. Transaction Types/Functions: Inter-bank transfer (FAST Service, Real Time Fund Transfer Service and Bakong Service), Money Transfer from account to account within LOLC, Money transfer or make payment through QR Code, Mobile Top Up, Open Fixed Deposit account, Standing Order, Loan Payment, View Loan Details and Request New Loan Against FD, Bakong Top Up, Bill Payment, Split Bill, Activate & Deactivate ATM Card, Balance inquiry / mini statement, Other transactions Fee Charge: The service is free of charge for any transactions. Member of KHQR as 11 May 2022, List of Merchant in Phnom Penh, List of Merchant in Provinces, Summary How to use iPay Cambodia
https://www.lolc.com.kh/userfiles/media/lolc.com.kh/ANNUAL REPORTS/2018/lolc-annual-report-2018-eng.pdf
How does LOLC translate its policy into practices and impact? Find out more in this section where it showcases the effective translation of an institution’s mission into practice that inline with the accepted social values. LOLC implements the integration of Universal Standard of Social Performance Management into its policy, procedure, training, internal control and implementation. 1. How do we translate our mission as of December 2021? 2. Measuring LOLC’s Social Goals 3. Implementing Universal Standard of social performance Management (USSPM) 4. How LOLC implements responsible finance and 7 client protection principles? 5. How LOLC translates Sustainable Development Goals (SDGs) into implementation (as of December 2021)? 6. Social Product 7. Environmental and Social Assessment 8. Measuring Poverty Outreach through PPI 9. Analyze Portfolio and Profit Breakdown by Client’s Poverty Level 10. Client Rights 11. Financial Literacy 12. Other Social Activities
How does LOLC translate its policy into practices and impact? Find out more in this section where it showcases the effective translation of an institution’s mission into practice that inline with the accepted social values. LOLC implements the integration of Universal Standard of Social Performance Management into its policy, procedure, training, internal control and implementation. 1. How do we translate our mission as of December 2021? 2. Measuring LOLC’s Social Goals 3. Implementing Universal Standard of social performance Management (USSPM) 4. How LOLC implements responsible finance and 7 client protection principles? 5. How LOLC translates Sustainable Development Goals (SDGs) into implementation (as of December 2021)? 6. Social Product 7. Environmental and Social Assessment 8. Measuring Poverty Outreach through PPI 9. Analyze Portfolio and Profit Breakdown by Client’s Poverty Level 10. Client Rights 11. Financial Literacy 12. Other Social Activities
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In the interests of fiscal transparency, we are pleased to publish our consolidated tax paid report in the table below:
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LOLC (Cambodia) Plc. has been serving Cambodian public and society for over 29 years, and has been recognized by both local and international financial authorities. Our products and services are committed to improving the livelihood of Cambodian customers.
#666B, Street 271, Kbal Tumnub Muoy Village, Sangkat Boeng Tumpun 2, Khan Mean Chey, Phnom Penh, Cambodia.
 023 991 991  [email protected] |
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023 991 991
Web Mail
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