What Lolc (cambodia) Plc. does

LOLC (Cambodia) Plc. is a Phnom Penh-headquartered, deposit-taking microfinance institution and the Cambodian subsidiary of the regional LOLC Group. Founded in 1994 as a credit program under Catholic Relief Service, it was incorporated in 2002 as Thaneakea Phum (Cambodia) Ltd. (TPC) and later rebranded under the LOLC brand. The company provides credit (group, individual, SME/microbusiness, agricultural input, seasonal, housing, auto/life-improvement, financial lease, salary advance, and the 15-minute Prosperity Gold Loan), deposit products (savings, fixed deposit at 6.00%, kid, Unity Growth, Plan Account at up to 6.25%), ATM/CSS card services, local and Bakong QR fund transfers, payroll services for corporates, and digital savings onboarding, all distributed through a nationwide branch network supplemented by the LOLC Mobile app, LOLC KHQR Merchant program, and iPay internet banking.

Revenue is generated primarily through interest income on its diversified lending book and deposits, supplemented by transaction fees on card, ATM, fund transfer, mobile banking, and merchant services, plus payroll management fees and, more recently, proceeds from sustainability bonds issued in July 2026. The institution serves Cambodian families, micro-entrepreneurs, SMEs, farmers, and salaried workers, financed through a uniquely broad capital base spanning nine local commercial banks (Bank of China, Bred Bank, Cathay United, ICBC, KB Daehan, Mega ICBC, SME Bank, Sathapana, Union Commercial) and ten international DFIs and impact funds (BlueOrchard, Norfund, Oikocredit, Microvest, NMI, and others). Its core technology is a conventional microfinance lending and deposit platform extended through LOLC Mobile, Bakong/KHQR interoperability, and digital onboarding; no AI/ML capabilities are disclosed in the available data.

LOLC differentiates itself through 32+ years of operating history, an extensive multi-province branch footprint covering both urban Phnom Penh and rural Cambodia, fast-disbursement secured products such as the 15-minute gold loan, ESG and sustainability positioning (CSR activities, sustainability bonds), and a partnership with the national Bakong payment rail.

Name

Lolc (cambodia) Plc.

Legal name

LOLC (Cambodia) Plc.

Website

https://lolc.com.kh

Company type

Private

Founded year

1994

Operating status

Operating

Short description

LOLC (Cambodia) Plc. is a Phnom Penh-based, deposit-taking microfinance institution serving Cambodian families, micro-entrepreneurs, SMEs, and farmers through a nationwide branch network and the LOLC Mobile/Bakong digital channels, offering credit, deposits, cards, and payment services.

Ownership category

akta.pro rank

Product category

Microfinance Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Secured Microloans (Community/Nonprofit, Collateralized) (FSAKALAJ)

akta.pro secondary industries

Agricultural & Rural Microfinance (FSAKAGAG), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Microfinance lending
• Deposit accounts
• Mobile banking
• Agricultural financing
• Financial leasing

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Credit/Loan Interest Income: LOLC generates primary revenue from interest income on its diverse lending portfolio, including group loans, SME/microbusiness loans, individual loans, housing loans, auto/life improvement loans, seasonal loans, agricultural input loans, salary advance loans, and gold loans. Interest rates displayed include 1.20% for credit products.
2. Deposit Taking and Interest Payment: LOLC accepts customer deposits including savings accounts, fixed deposits, kid accounts, unity growth savings, and plan accounts. The institution pays interest to depositors (up to 6.25% per annum on Plan Account) and uses these deposits as a funding source for its lending operations.
3. Financial Lease Revenue: Revenue generated from financial lease products for asset-backed lending, including vehicle and equipment financing.
4. ATM/Card and Fund Transfer Fees: Fees from ATM card services, card services (CSS), and fund transfer services including Bakong and local fund transfers.
5. Mobile Banking Services: Revenue from mobile banking transactions, bill payments, and merchant payment services through the LOLC Mobile and iPay platforms.
6. Payroll Services: Payroll management service provided to employers, generating fee income from corporate clients.
7. Sustainability Bonds: LOLC launched sustainability bonds in July 2026 to support Cambodia's sustainable development, representing a new capital markets instrument for funding ESG-aligned lending activities.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels9 records

Core offering

LOLC (Cambodia) Plc. is a deposit-taking microfinance institution providing credit (loans for groups, individuals, SMEs, agriculture, housing, autos/life improvement, salary advances, and gold-backed lending), deposit products (savings, fixed deposit, kid, unity growth savings, plan accounts), ATM/CSS card services, mobile banking via the LOLC Mobile app, merchant QR payments via KHQR, local and Bakong fund transfers, financial leasing, payroll services for employers, digital account opening, and sustainability bonds. It serves Cambodian families, entrepreneurs, microbusinesses, SMEs, and farmers across urban and rural Cambodia through a nationwide branch network and digital channels.

Product overview

LOLC (Cambodia) Plc. is a leading microfinance institution offering a comprehensive suite of financial products and services. The portfolio is organized into Credit products (including Prosperity Gold Loan, Group Loans, Individual Loans, SME/Microbusiness Loans, Agricultural Input Loans, Seasonal Loans, Housing Loans, Auto/Life Improvement Loans, Financial Leases, and Salary Advance Loans), Deposit products (Savings Accounts, Fixed Deposits, Kid Accounts, Unity Growth Savings, and Plan Accounts with rates up to 6.25%), Card services (ATM Cards), Mobile Banking (LOLC Mobile app and LOLC Merchant services), Fund Transfer services (Local Fund Transfer and Bakong integration), and specialized services including Payroll Services, Sustainability Bonds, and Digital Account Opening. The company operates as a microfinance institution with a physical branch network across Cambodia, supplemented by digital banking channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Prosperity Gold Loan A gold- or platinum-collateralized microfinance loan that allows customers to obtain urgent cash with loans processed in as little as 15 minutes.
• Group Loan Microfinance group lending product for community-based small borrowers, using collective borrowing and mutual guarantee structures.
• Individual Loan (including Wash Individual Loan) Personal lending product for individual borrowers, including Wash Individual Loan (WIL) variants, covering a range of personal financial needs.
• SME / Microbusiness Loan Lending product designed for microbusiness owners and SME entrepreneurs to support business growth and working capital needs.
• Agri Input Loan Agricultural financing product supporting farmers and agri-input suppliers with loans for agricultural inputs and farming operations.
• Seasonal Loan Credit product designed for seasonal businesses and agricultural cycles, providing financing aligned with harvest and seasonal cash flows.
• Housing Loan Home financing product for purchasing, constructing, or improving residential properties.
• Auto Loan / Life Improvement Loan (Asset-Backed) Asset-backed lending product for vehicle purchases and life improvement purposes, using assets as collateral.
• Financial Lease Lease financing product allowing customers to acquire equipment, vehicles, or other assets through installment payments with eventual ownership transfer.
• Salary Advance Loan Short-term credit product allowing employees to access a portion of their salary before their regular payday.
• Savings Account Basic deposit account allowing customers to save money with variable interest rates.
• Fixed Deposit Time deposit product offering guaranteed interest rate (6.00% per annum displayed) for funds deposited over fixed periods.
• Kid Account Savings account designed for children, encouraging financial literacy and savings habits from a young age.
• Unity Growth Savings Group/community savings product with growth incentives.
• Plan Account Structured savings account with planned savings goals offering competitive interest rates up to 6.25% per annum.
• ATM Card / Card Service System (CSS) Debit/ATM card product allowing cardholders to withdraw cash and access their accounts through the CSS network at branches and ATMs.
• LOLC Mobile Mobile banking application allowing customers to open digital savings accounts, make fund transfers, view accounts, and pay bills on smartphones for free.
• LOLC Merchant (KHQR Merchant Payment Services) KHQR-based merchant payment acceptance program allowing merchants to receive QR-code digital payments from customers, with promotional prize incentives for active merchants.
• Local Fund Transfer Domestic money transfer service allowing customers to send funds within Cambodia to other banks or financial institutions.
• Bakong Fund Transfer National QR payment system integration enabling cross-bank and cross-wallet fund transfers through Cambodia's Bakong network.
• Payroll Service Corporate service allowing employers to disburse employee salaries and integrate loan repayments through LOLC channels.
• Digital Savings Account Digital account opening allowing customers to open savings accounts remotely through the LOLC Mobile app.
• Sustainability Bonds Bond product launched to fund Cambodia's sustainable development, providing investors with impact-focused investment opportunities tied to ESG lending.

Quantifiable outcome

• Prosperity Gold Loan disbursed in as little as 15 minutes
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• LOLC GroupcoreStrategic or Co-development PartnerLOLC (Cambodia) Plc. is part of the LOLC Group, a regional microfinance and financial services group with operations across Asia. The Group provides strategic oversight, brand affiliation, and operational synergy.
• Bakong (National QR Payment System)coreTechnology or IntegrationLOLC integrates with Cambodia's Bakong national QR payment system, enabling its customers to make and receive fund transfers through the national payment infrastructure.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hattha Bank (Cambodia): Formerly Hattha Kaksekar MFI, now a commercial bank serving Cambodian households, SMEs, and rural customers with lending, deposits, and digital services. Closely comparable in customer segments and product set to LOLC Cambodia.
• PRASAC Bank (Cambodia): The largest microfinance-turned-commercial bank in Cambodia, providing credit, deposits, and digital banking to individuals, SMEs, and rural/agricultural borrowers. Comparable in scale, product breadth, and nationwide distribution footprint.
• Amret (Cambodia): One of Cambodia's largest microfinance institutions (now a commercial bank) offering group loans, SME loans, agricultural finance, deposits, and digital banking. Directly comparable to LOLC Cambodia in target customer base, product mix, and nationwide branch model.
• VisionFund Cambodia: Microfinance institution serving low-income Cambodian households and small entrepreneurs with group and individual loans. Comparable customer base and microcredit focus, though with a stronger NGO/development orientation.
• KREDIT Microfinance (Cambodia): Cambodian MFI focused on micro and SME lending with a physical branch network and digital channels. Operates in similar rural/urban segments and offers a comparable credit-and-deposit microfinance proposition.
• Sathapana Bank Plc. Cambodian commercial bank (formerly an MFI) offering credit, deposits, and digital banking across urban and rural Cambodia. Directly competes with LOLC Cambodia and is also a funding partner, making it both competitor and counterparty.

Regional players

• LOLC Finance Plc (Sri Lanka): Sri Lankan sister entity within the LOLC Group, providing microfinance, leasing, and SME lending. Comparable in credit methodology and product set, but operating in a different geography within the broader LOLC ecosystem.

Others

• Bred Bank Cambodia: Cambodian commercial bank that is both a LOLC lending partner and a competitor in SME and retail banking. Comparable in deposit-taking and SME lending activities, with broader commercial banking capabilities.

Broad incumbents

• CIMB Bank (Cambodia) / CIMB Niaga: Regional commercial bank with Cambodian operations offering consumer, SME, and digital banking. Comparable in deposit-taking and SME lending, though broader in product scope and not microfinance-focused.
• ASA International: Public-listed microfinance holding company operating across South and Southeast Asia with group-lending and micro-SME products. Comparable in customer methodology and product focus, though operating across multiple countries at greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/lolccambodia
• YouTubeyoutube.com/c/LOLCCambodiaPlc
• Facebookfacebook.com/lolccambodia
• LinkedInlinkedin.com/company/lolc-cambodia-plc
• Instagraminstagram.com/lolccambodia

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lolc (cambodia) Plc.