Amret has developed a wide range of financial services for low-income people, farmers and MSMEs in Cambodia. It serves over 300’000 clients of which more than 75% are women. More than 40% of the loans are provided for the agricultural sector. Amret has a very large geographical coverage, which allows the MFI to reach clients in more remote and underserved areas, being a key player of a broader financial inclusion in the country.
But Amret is not only providing loans to its clients. The MFI has initiated an agricultural training program (the main subjects being: rice cultivation techniques, how to utilize fertilizer more effectively, vegetable plantations, and livestock raising) in close collaboration with professional trainers. In 2015, Amret provided this training to 1,219 clients and non-clients in eight provinces. Amret has also initiated a financial education program (budgeting, saving, and cash/debt management) coupled with a basic hygiene program to address household expense concerns and health issues. This program enables participants to better manage their expenses and live more healthily. Amret provided 42 training courses to 789 participants in seven provinces in 2015.