Cambodia : Study on Access to Financial Services for Small and Medium Agribusiness Enterprises in Cambodia
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Washington, DC
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Agriculture has been a mainstay of the
Cambodian economy. It has seen significant growth throughout
the 2000s and showed a significant resilience against
external shocks during the 2008-09 economic and financial
crises. Agribusiness enterprises do not operate in isolation
from the rest of the economy. The state of production of
agricultural raw materials, the state of the financial
sector, and the nature of the financial sector's
engagement with the real sector activities, as well as
broader issues that affect private sector development all
impact the development of the agribusiness sector. The
current study seeks to analyze some of these linkages. It
focuses specifically on the role the financial sector has
played in the growth and development of the agribusiness
sector. The study builds on the existing analytical work on
agricultural and small and medium enterprise (SME) finance
in Cambodia. The study was carried out in three major
phases. The first phase was to determine a methodology to
gather new information on linkages between agribusinesses
and financial institutions. The second phase involved a
survey of financial institutions (banks, microfinance
institutions, and insurance companies) and 1,011
agribusinesses in Cambodia. The third phase emphasized
analyzing the data and compiling a report that highlighted
the key findings for the target audience. The report
provides the broader context of the sector issues related to
access to finance by agribusinesses, and review the
available analytical work.
Palabras clave
ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESS TO FINANCIAL SERVICES, ACCOUNT HOLDERS, ACCOUNTING, ACCOUNTING STANDARDS, ACCOUNTING SYSTEMS, ACCOUNTS RECEIVABLE, ADVISORY SERVICES, AFFORDABILITY, AGRICULTURAL COMMODITIES, AGRICULTURAL PRODUCTS, AGRICULTURAL SECTOR, AGRICULTURAL SECTORS, AGRICULTURAL TRADE, AGRICULTURE ORGANIZATION, APPLICATION PROCESS, APPROVAL PROCEDURES, ASYMMETRIC INFORMATION, BANK ACCOUNT, BANK BRANCH, BANK LENDING, BANKING INDUSTRY, BANKING INSTITUTIONS, BANKING SECTOR, BANKING SERVICES, BANKING SYSTEM, BORROWER, BORROWING, BORROWING CAPACITY, BUSINESS ASSOCIATIONS, BUSINESS COMMUNITY, BUSINESS MANAGEMENT, BUSINESS PLAN, BUSINESS PLANS, BUSINESS VOLUMES, CAPITAL REQUIREMENTS, CAPITAL SHORTAGE, CAPITAL STOCK, CAPITALIZATION, CASH FLOWS, CASH HOLDINGS, COLLATERAL, COLLATERAL REGISTRY, COLLATERAL REQUIREMENTS, COMMERCIAL BANKS, COMMERCIAL TRANSACTIONS, CONTRACT ENFORCEMENT, CORPORATE FINANCE, CREDIT BUREAU, CREDIT GAP, CREDIT HISTORY, CREDIT INFORMATION, CREDIT NEED, CREDIT-WORTHINESS, CROP VALUE, CURRENCY, DEBT, DEBT OBLIGATION, DEPOSIT, DEPOSIT ACCOUNTS, DEPOSITS, DEVELOPING COUNTRIES, DEVELOPMENT BANK, DIVERSIFICATION, DOMESTIC BANKS, ECONOMIC ACTIVITIES, ECONOMIC DEVELOPMENT, ECONOMIC GROWTH, ENTREPRENEURS, EXCHANGE RATE, EXPORT GROWTH, EXTERNAL SHOCKS, FACILITATION, FACTORING, FAMILIES, FARM MACHINERY, FARMERS, FINANCIAL ACCESS, FINANCIAL CRISIS, FINANCIAL FLOWS, FINANCIAL INFORMATION, FINANCIAL INSTITUTIONS, FINANCIAL LEVERAGE, FINANCIAL MANAGEMENT, FINANCIAL MARKET, FINANCIAL MEASURES, FINANCIAL NEEDS, FINANCIAL PRODUCTS, FINANCIAL RELATIONSHIP, FINANCIAL SECTOR ASSESSMENT, FINANCIAL SECTOR DEVELOPMENT, FINANCIAL SERVICE, FINANCIAL SERVICE PROVIDERS, FINANCIAL STATEMENTS, FINANCIAL SUPPORT, FINANCIAL SYSTEM, FINANCIAL SYSTEMS, FINANCIAL TRANSACTIONS, FINANCING NEEDS, FINANCING REQUIREMENTS, FIXED ASSETS, FOREIGN EXCHANGE, FORM OF CREDIT, FORMAL FINANCIAL INSTITUTIONS, GROSS DOMESTIC PRODUCT, GROSS MARGINS, GROUP LOANS, INFORMATION SHARING, INSTITUTIONAL CAPACITY, INSTITUTIONAL DEVELOPMENT, INSURANCE, INSURANCE COMPANIES, INTEREST RATES, INTERNATIONAL BANK, INTERNATIONAL FINANCE, INTERNATIONAL STANDARDS, INVENTORY, INVESTMENT CAPITAL, INVESTMENT CLIMATE, LACK OF ACCESS, LACK OF COLLATERAL, LACK OF CREDIT, LACK OF FINANCE, LACK OF INFORMATION, LAND VALUE, LEGAL ENVIRONMENT, LEGAL FRAMEWORK, LENDERS, LENDING INTEREST RATES, LENDING PORTFOLIO, LETTER OF CREDIT, LETTERS OF CREDIT, LEVEL OF ASSETS, LEVEL PLAYING FIELD, LIMITED ACCESS, LIMITED ACCESS TO FINANCE, LINES OF CREDIT, LIQUIDITY, LIQUIDITY MANAGEMENT, LOAN, LOAN APPLICATION, LOAN APPRAISAL, LOAN APPROVAL, LOAN PRODUCTS, LOAN REPAYMENT, LOAN SIZE, LOAN SIZES, LOAN SUPERVISION, LOC, LOCAL GOVERNMENT, MACROECONOMIC CONDITIONS, MARKET FAILURES, MERCHANTS, MFI, MFIS, MICRO ENTERPRISE, MICRO ENTERPRISES, MICRO-CREDIT, MICRO-ENTERPRISES, MICRO-INSURANCE, MICROFINANCE, MICROFINANCE INSTITUTIONS, MONEY LENDER, MONEY MARKETS, MONEY TRANSFER, MONEY TRANSFERS, MOVABLE COLLATERAL, NATURAL RESOURCES, NON-PERFORMING LOANS, OUTREACH, PAYMENTS SERVICES, PERSONAL LOANS, PERSONAL PROPERTY, POLICY ENVIRONMENT, PRODUCTIVITY, PROFIT MARGINS, PROFITABILITY, PUBLIC INVESTMENTS, PUBLIC-PRIVATE PARTNERSHIPS, REAL SECTOR, REGULATORY SYSTEM, REPOS, RULE OF LAW, RURAL CREDIT, SAVINGS, SAVINGS ACCOUNTS, SECONDARY MARKETS, SELF-EMPLOYMENT, SMALL ENTERPRISE, SMALL LOANS, SMALLHOLDER, SOURCE OF CREDIT, SOURCE OF INFORMATION, SPECIALIZED BANKS, STOCKS, SUBSIDIARY, SUPPLY OF FINANCING, TAX, TAX BURDEN, TAX BURDENS, TAX INCENTIVES, TAXATION, TECHNICAL ASSISTANCE, TRADE CREDIT, TRADE FACILITATION, TRADING, TRANSPARENCY, TRANSPORT, TURNOVER, UNION, URBAN AREAS, USE OF COLLATERAL, VILLAGES, WAREHOUSE, WAREHOUSE RECEIPT, WAREHOUSE RECEIPT SYSTEM, WAREHOUSE RECEIPT SYSTEMS, WORKING CAPITAL