{"id":902,"date":"2021-03-22T08:07:29","date_gmt":"2021-03-22T08:07:29","guid":{"rendered":"https:\/\/khmersme.pegotec.pro\/?page_id=902"},"modified":"2023-10-17T09:23:38","modified_gmt":"2023-10-17T02:23:38","slug":"access-to-finance","status":"publish","type":"page","link":"https:\/\/www.khmersme.gov.kh\/en\/support-for-sme\/access-to-finance\/","title":{"rendered":"Access to Finance"},"content":{"rendered":"\n

SMEs play an essential role in Cambodia\u2019s economy. They represent 70% of employment, 99.8% of companies and contribute 58% towards the GDP. For this reason, tailor-made support to help SMEs grow and innovate is essential. At all stages of development, small businesses struggle more than large enterprises to get finance. To stay competitive, both start-ups and scale-ups rely on external finance for innovation, digitalization, internationalization, and upskilling.<\/p>\n\n\n\n

In Cambodia, financing programs are generally not provided as direct funding. The support is mostly channeled through national authorities or financial intermediaries such as banks and venture capital organizations that provide funding with financial instruments.<\/p>\n\n\n\n

Cambodia SME Scheme (CSS)<\/strong><\/a> The Cambodia SME Scheme (CSS) was initiated to enable SMEs in both priority and normal sectors to access financing at favorable conditions and affordable cost. Entrepreneurs can use this financing shcheme to expand or start a new business.<\/p>\n\n\n\n

Cambodia Micro Entrepreneurs Scheme (CMES)<\/strong><\/a> Cambodia Micro Enterprise Scheme (CMES) is an unsecured loan and was initiated to provide financial support to micro enterprise in Cambodia with favorable conditions and affordable cost.\u00a0<\/p>\n\n\n\n

Cambodia Women Entrepreneurs Scheme (CWES)<\/strong><\/a> The Cambodia Women Entrepreneurs Scheme (CWES) was initiated to provide financial support to women entrepreneurs in Cambodia with\u00a0favorable conditions and affordable cost. Women entrepreneurs can use this scheme to expand their business or start a new business.\u00a0 <\/p>\n\n\n\n

Cambodia Digital & Automation Scheme (CDAS)<\/strong><\/a> Cambodia Digital & Automation Scheme (CDAS) is initiated to provide financial support to the SMEs that engage in digital and automation business in Cambodia with the favorable conditions.\u00a0<\/p>\n\n\n\n

Tourism Recovery Co-Financing Scheme (TRCS)<\/a> <\/strong><\/p>\n\n\n\n

The Tourism Recovery Co-Financing Scheme (TRCS) is a part of the support for the implementation of the ” Strategic Framework and Program for Economic Recovery in the context of Living with Covid-19 in the New Normal 2021-2023″.<\/p>\n\n\n\n

To promote tourism recovery, the Royal Government has decided to implement this scheme to address the lack of financing support for tourism-related businesses.<\/p>\n\n\n\n

TRCS will support: (a) re-operating the business, (b) improving and modernizing, and (c) strengthening and diversifying tourism services to prepare for national and international tourists in the post-covid-19 crisis.<\/p>\n\n\n\n

TRCS’s coverage sector: (1) Hotels, (2) Guesthouses, (3) Restaurants, (4) Supply of products and services supporting tourism sector.<\/p>\n\n\n\n

For more information or Financing Scheme, Please visit the SME Bank of Cambodia <\/a><\/p>\n\n\n\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

SMEs play an essential role in Cambodia\u2019s economy. They represent 70% of employment, 99.8% of companies and contribute 58% towards the GDP. For this reason, tailor-made support to help SMEs grow and innovate is essential. At all stages of development, small businesses struggle more than large enterprises to get finance. 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