Phnom Penh: The Cambodia Microfinance Association (CMA) released its 2025 Annual Report on July 5, highlighting a year of strong growth in lending and deposits despite global economic challenges. The report reflects a growing public and business confidence in the sector.
Mrs. Dith Nita, Vice-Chairwoman of the CMA Board, characterized 2025 as a pivotal year. The sector successfully balanced sustainable growth with a commitment to enhancing the financial well-being of Cambodians. As the economy continues its recovery and diversification, the microfinance sector remains a fundamental pillar of national stability.
Key Financial Figures (End of 2025):
- Total Loan Portfolio: Reached $6 billion, a 15% year-on-year increase.
- Deposits (at 4 MDIs): Increased by 17.60% to $2.99 billion.
- De-dollarization Progress: Riel-denominated loans hit $1.4 billion (23.3% of the portfolio), while Riel deposits reached $393 million (13.1%), signaling strong confidence in the national currency.
Cambodia Microfinance Sector
2025 Annual Performance · Strong Growth & Riel Confidence
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July 2026
CMA Report 2025
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MDIs: 4
Total Loan Portfolio
0B
+15% YoY
Total Deposits (MDIs)
0B
+17.6% YoY
KHR Loans
0B
23.3% of portfolio
KHR Deposits
0M
13.1% of deposits
Loan Portfolio by Currency
$6.00B total
KHR (23.3%)
Foreign Currency (76.7%)
Deposit Composition by Currency
$2.99B total
KHR (13.1%)
Foreign Currency (86.9%)
Annual Growth Overview
2025 vs 2024
Growth Rate (%)
Strategic Insights · 2025 Performance Drivers
Financial Inclusion
Sustainable Growth Balance
Maintaining robust credit expansion while promoting consumer financial wellness and stability.
Riel Confidence Surge
KHR loans at 23.3% and KHR deposits at 13.1% reflect strong public trust in the national currency.
Backbone of National Economy
Microfinance serves as a critical pillar supporting economic recovery and diversification.
“2025 was a pivotal year for the sector in maintaining a balance of sustainable growth alongside promoting financial wellness for citizens. The microfinance sector remains the ‘backbone’ of national economic stability.”
Ms. Dit Nita
— Vice Chairperson, Cambodia Microfinance Association (CMA)
July 5, 2026 · Annual Report Release
