What to know about this Lending Partner
Kiva conducts regular, ongoing monitoring of all Lending Partners, but only posts status updates here in response to relevant, major changes at the partner.
Status update - September 23, 2026
Following Chamroeun’s operational challenges and inability to repay, Kiva and Chamroeun’s other lenders entered into a Settlement Agreement in December 2025 that outlined a repayment plan and amount to be forgiven if payments were made successfully. All agreed upon repayments have been made and passed on to lenders accordingly, and the remaining amount has been defaulted in Kiva’s systems. We thank Chamroeun for their efforts to repay Kiva lenders as they have been able to.
Status update - July 21, 2025
Chamroeun continues to face operational challenges that have impacted its ability to meet payment obligations since June 2024. Kiva is currently working with Chamroeun to negotiate a repayment plan and recover the outstanding funds. Any repayments received will be passed on to lenders accordingly.
Chamroeun has been a valued partner of Kiva for over eight years and has successfully repaid over $5 million in Kiva loans during this time.
Partner description:
Chamroeun (meaning “progress” in Khmer) is a microfinance institution with a focus on serving the very poor in Cambodia by providing adapted loans, savings and insurance services. They operate in 16 provinces across Cambodia.
Chamroeun demonstrates a strong commitment to social performance and impact, and their current shareholders are all socially motivated organizations.
A unique lending approach:
Chamroeun provides individual and group loans for working capital or investment. The majority of loans are for small businesses to allow them to startup or scale.
If a borrower has successfully repaid a number of individual or group loans, they can graduate to an entrepreneur loan that provides more capital for a longer repayment period.
Along with financial services, they provide a comprehensive range of non-financial services to their clients including business training, financial literacy, and social and environmental welfare. They also provide microinsurance through a partner and have developed the capability to receive electronic payments, which is an added convenience for clients.