Financial inclusion in Cambodia is low, with only 22 per cent of the adult population having a bank account. In addition, MSMEs, which generate much of Cambodia’s economic output and employment, still have difficulty in accessing finance, hindering their competitiveness and capacity to develop. Amret’s large geographical coverage allows outreach to clients in more remote and underserved areas and makes it a driver for broader financial inclusion in Cambodia. In line with its mission, the MFI offers training programs for clients on essential topics such as agriculture, financial literacy, and basic healthcare. SIFEM’s USD 8.4 million loan is part of a syndicated transaction led by FMO.