Fee:

Loan approval fee is charged 1% - 7% per cycle.

LOLC reserves the right to change any terms and conditions without prior notice

Activities Prohibited by LOLC

1. Production or trade of any product or activity deemed illegal under national laws, international conventions, or treaties, especially those related to the environment, health, safety, and labor sectors.
2. Production or trade of weapons and ammunition.
3. Production or trade of alcoholic beverages (excluding beer and wine).
4. Production or trade of tobacco products.
5. Gambling, casinos, and similar businesses.
6. Production, trade, breeding, or ownership of animals, plants, or natural products listed under the CITES (Convention on International Trade in Endangered Species).
7. Production or trade of radioactive substances.
8. Production, trade, or use of unbonded asbestos fibers above permissible limits.
9. Commercial logging or purchasing logging equipment for use in tropical forests.
10. Production or trade of pharmaceuticals banned or restricted internationally.
11. Production or trade of pesticides/herbicides that are internationally restricted or banned.
12. Use of fishing nets exceeding 2.5 km in length.
13. Activities involving forced labor or severe child labor exploitation.
14. Production or trade of products containing polychlorinated biphenyls (PCBs).
15. Any business causing destruction to the ozone layer, prohibited by international law.
16. Production or trade of timber or forest products.
17. Production, trade, storage, or transportation of hazardous chemicals above permitted limits or commercial use of such substances (e.g., gasoline, diesel, other petroleum products – excluding fuel stations or small fuel vendors).
18. Activities affecting indigenous community lands or valuable cultural areas without proper consent and documentation.
19. Business activities resulting in land disputes, displacement, or loss of livelihood without proper compensation or voluntary agreement.
20. Business activities involving pornography or obscene content.
21. Activities involving toxic substances such as greenhouse gas (GHG) emissions, CO2, water, and soil pollution.
22. Plantation projects requiring deforestation of natural forests.
23. Cross-border waste trading, unless permitted by the Basel Convention and relevant laws.
24. Businesses generating excessive solid or liquid waste.
25. Activities causing explosions, emissions of dust, smoke, strong odors, or loud noise that affects the health, safety, or daily life of nearby residents.
26. Businesses that excessively consume water, paper, electricity, or exploit natural resources irresponsibly.
27. Production, distribution, or involvement in discriminatory content or media against democracy or specific groups.
28. Sectors with minimal benefit, high risk, or subject to speculation (e.g., real estate).
29. Any production or service that causes serious environmental damage and is prohibited by Cambodian law.
30. Large-scale hydropower dam projects with irreversible and severe impacts.
31. Projects affecting world heritage sites, cultural heritage, sacred areas, or community land.
32. Projects impacting national parks or protected areas listed by the United Nations.
33. Extraction or construction within IUCN-protected areas (Category I–IV).
34. Activities causing severe environmental damage, loss of biodiversity, habitat destruction, or spreading zoonotic diseases.
35. Projects located in or near environmentally sensitive or high-value areas.
36. Bribery or accepting bribes that could influence business decisions.
37. Political donations or involvement (e.g., to political parties or candidates).
38. Use of confidential or restricted information without authorization.
39. Financial or economic crimes, including money laundering.
40. False or fraudulent financial or tax reporting.
41. Unjustified underpricing or overpricing of goods or services.
42. Engagement with entities under economic sanctions by the UN, EU, or France, regardless of scale.
43. Illegal trade or facilitation of trafficking in cultural property.
44. Illegal activities involving human organs, tissues, or products; or banned genetic engineering practices according to French, host country, EU, or international standards.
45. Private sector financing with intentions or methods clearly against human rights and United Nations guidelines 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.

    *CITES: Convention on International Trade in Endangered Species of Wild Fauna and Flora (Washington, 1973).

    **PCBs:Polychlorinated Biphenylare a group of man-made organic chemicals consisting of carbon, hydrogen and chlorine atoms.

    ***30:Projects involving the construction of large dams that significantly and irreversibly as following:

         a. disrupt natural ecosystems upstream or downstream of the dam, or
         b. alter natural hydrology;
         c. inundate large land areas;
         d. impact biodiversity;
         e. displace/resettlement large numbers of inhabitants (5,000 persons or more);
         f. impact local inhabitants' ability to earn a livelihood.