Mr. Heng Oun and his wife have been running a wholesale business selling rice crackers, roasted peanuts, and banana chips at Chamkar Doung Market in Phnom Penh for the past eight years
Mr. Heng Oun and his wife have been running a wholesale business selling rice crackers, roasted peanuts, and banana chips at Chamkar Doung Market in Phnom Penh for the past eight years. In the early days, the family did not yet have their own home and sufficient capital to expand the business. After receiving a recommendation from a relative, Mr. Oun learned more about LOLC Cambodia’s loan services and decided to use the financial service.
In 2023, he obtained a loan to provide additional working capital for business expansion and subsequently applied for an additional loan to construct a new home and improve his family’s living conditions. In 2024, he obtained another loan to further expand his business and increase his production and supply capacity.
Today, Mr. Oun’s business has continued to grow and has expanded its distribution to other markets. Using the loans for their intended purposes has enabled him to build a new home, purchase additional land, increase his income, and improve his family’s living conditions, while also fully supporting his children’s education.
Based on his experience, Mr. Heng Oun shared that using loans for their intended purposes, having a clear plan, and properly managing income and expenses are important factors that contribute to business growth and improve the family’s quality of life.
Ms. Samnang runs a small grocery store in Samnang Preah Srei Village, Boeung Pram Commune, Bavel District, Battambang Province
“Luck does not simply happen on its own; it comes from our hard work.” This is the perspective that Ms. Svay Samnang has demonstrated through her life journey and perseverance in building her business.
Ms. Samnang runs a small grocery store in Samnang Preah Srei Village, Boeung Pram Commune, Bavel District, Battambang Province. She shared that she started her grocery business with a small store in a rented location. The space was narrow, making it difficult to organize the store and allowing her to stock only a limited amount of products. At the same time, her home was not yet comfortable enough , and it was also prone to flooding during the rainy season.
These circumstances became daily challenges for Ms. Samnang and her family, but they never made her give up hope. Instead, these difficulties motivated her to seek new opportunities to improve her business and family’s living conditions.
After learning about LOLC Cambodia through nearby storekeepers and gaining a better understanding of how financing could support her needs, Ms. Samnang decided to apply for a loan to expand her business and address essential household needs. To date, she has received three loan cycles from LOLC Cambodia.
With her first loan, she improved her grocery store and increased her inventory. The second loan was used to purchase of a plot of land near the market, where she planned to build a home and relocate her business to a more central and convenient location for her customers. Her current loan is being used to improve her home, expand her store, and increase her grocery inventory.
Notably, Ms. Samnang’s effective use of financing has brought positive results and contributed significantly to the growth of her business.
Starting from a small business and limited capital in a rented location, Ms. Samnang has gradually expanded her business size, inventory, and premises. Today, she has been able to build a better home for her family and establish a more suitable location for her business through her careful use of loan for its intended purposes, managing her expenses effectively, and setting aside part of her income as savings.
Mr. Noy Saroeub is a farmer who grows cashew, cassava, and soybeans in Teun Village, Teun Commune, Koun Mom District, Ratanakiri Province
With more than 15 years of experience in agriculture, combined with his dedication to applying proper cultivation and crop-care techniques, as well as additional capital from LOLC Cambodia, Mr. Noy Saroeub has been able to significantly strengthen his family’s income and livelihood.
At the age of 45, Mr. Noy Saroeub is a farmer who grows cashew, cassava, and soybeans in Teun Village, Teun Commune, Koun Mom District, Ratanakiri Province. In the past, he faced several challenges in expanding his farming activities, particularly a lack of capital to maintain and develop his crops.
Recognizing his actual financial needs, Mr. Saroeub has accessed loans from LOLC Cambodia in successive stages. His first loan, obtained in 2022, was used to purchase cashew seedlings and agricultural fertilizer to improve crop yields. In 2024, he took a second loan to increase his working capital for purchasing cashew, cassava, and soybean seeds, as well as agricultural equipment to further expand his farming activities. In 2026, his third loan was used to purchase additional agricultural land to expand his cultivated area and to purchase fertilizers that support flowering and fruit development, with the aim of improving crop quality and yields.
Through these three loan cycles from LOLC Cambodia, with careful planning and a clear focus on his key business needs, Mr. Noy Saroeub has strengthened his production capacity, expanded his agricultural land, and achieved remarkable increases in crop yields year after year.
The growth of his agricultural business has also contributed to improving his family’s livelihood and enabled him to better plan development of his farming activities. Targeted and responsible use of loans, combined with his strong commitment to his business, has become an important driving force behind his continued growth.
Mrs. Chy Chreb is the owner of a traditional krama weaving business located in Damnak Kantuot Village, Svay Ya Commune, Svay Chrum District, Svay Rieng Province. Initially
From a Family-Based Krama Weaver to a Market Supplier.
Mrs. Chy Chreb is the owner of a traditional krama weaving business located in Damnak Kantuot Village, Svay Ya Commune, Svay Chrum District, Svay Rieng Province. Initially, she operated a small family-based krama weaving business, producing only a limited quantity of products each day to sell to customers.
However, as customer demand continued to increase, her production capacity remained limited, making it difficult for her to fulfill customer orders on time. As a result, she decided to seek financing from a trusted financial partner to expand her business.
Through a recommendation from a neighbor who was an LOLC Cambodia client, Mrs. Chreb was introduced to LOLC Cambodia. In 2025, she obtained her first loan from LOLC Cambodia to increase her production capacity by purchasing additional raw materials to meet customer orders.
As her business continued to grow and market demand increased, in 2026, Mrs. Chreb took a subsequent loan from LOLC Cambodia to expand her weaving craftsmanship and further improve her production capacity.
This decision has contributed to the continued growth of Mrs. Chreb’s business, enabling her to supply krama products more widely to both wholesale and retail customers. More importantly, her krama weaving craftsmanship has also created employment opportunities and provided sources of income for people in her local community.
The story of Mrs. Chy Chreb demonstrates that hard work, a clear business plan, and the purposeful use of financing can serve as powerful drivers of business growth, generating greater income while also creating new employment opportunities for the community.
Mrs. Hun Son lives in Ba Phnom District, Prey Veng Province, with a family of six members. Previously, she operated a small grocery shop at home
In everyday life, relying on a single source of income while facing daily household expenses can create financial challenges. Therefore, developing additional sources of income is essential. Mrs. Hun Son lives in Ba Phnom District, Prey Veng Province, with a family of six members. Previously, she operated a small grocery shop at home. However, the income generated from her business was insufficient to cover her family's daily living expenses and her children's education costs. These challenges placed her family under financial pressure.
Recognizing that income from a single business was not enough to support her family, Mrs. Son decided to expand her existing business and establish additional sources of income. In 2022, she obtained a loan from LOLC (Cambodia) Plc. to expand her grocery shop by adding vegetables, fish, and meat to her product offerings. In addition, she established two new businesses: a money transfer, deposit, and withdrawal service agency, and a motorcycle repair service. These initiatives aimed to increase her household income and improve her family's living conditions.
Today, Mrs. Son has more diversified sources of income, with all her businesses operating successfully and continuing to grow. Her customer base has also expanded, as her shop offers a variety of products and services that meet customers' needs in one convenient location. These businesses have helped increase her income and strengthened her ability to meet her family's daily needs more effectively.
Mrs. Hun Son's journey of progress demonstrates her determination, hard work, and ability to seize opportunities for business development. By using her loan with a clear purpose, she has successfully created additional income streams, contributing to improved living conditions and greater financial stability for her family.
#666B, Street 271, Kbal Tumnub Muoy Village, Sangkat Boeng Tumpun 2, Khan Mean Chey, Phnom Penh, Cambodia.
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