Cambodia : Study on Access to Financial Services for Small and Medium Agribusiness Enterprises in Cambodia

Agriculture has been a mainstay of the Cambodian economy. It has seen significant growth throughout the 2000s and showed a significant resilience against external shocks during the 2008-09 economic and financial crises. Agribusiness enterprises do...

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Bibliographic Details
Main Author:	World Bank
Format:	Other Financial Sector Study
Language:	English en_US
Published:	Washington, DC 2014
Subjects:	ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNT HOLDERS ACCOUNTING ACCOUNTING STANDARDS ACCOUNTING SYSTEMS ACCOUNTS RECEIVABLE ADVISORY SERVICES AFFORDABILITY AGRICULTURAL COMMODITIES AGRICULTURAL PRODUCTS AGRICULTURAL SECTOR AGRICULTURAL SECTORS AGRICULTURAL TRADE AGRICULTURE ORGANIZATION APPLICATION PROCESS APPROVAL PROCEDURES ASYMMETRIC INFORMATION BANK ACCOUNT BANK BRANCH BANK LENDING BANKING INDUSTRY BANKING INSTITUTIONS BANKING SECTOR BANKING SERVICES BANKING SYSTEM BORROWER BORROWING BORROWING CAPACITY BUSINESS ASSOCIATIONS BUSINESS COMMUNITY BUSINESS MANAGEMENT BUSINESS PLAN BUSINESS PLANS BUSINESS VOLUMES CAPITAL REQUIREMENTS CAPITAL SHORTAGE CAPITAL STOCK CAPITALIZATION CASH FLOWS CASH HOLDINGS COLLATERAL COLLATERAL REGISTRY COLLATERAL REQUIREMENTS COMMERCIAL BANKS COMMERCIAL TRANSACTIONS CONTRACT ENFORCEMENT CORPORATE FINANCE CREDIT BUREAU CREDIT GAP CREDIT HISTORY CREDIT INFORMATION CREDIT NEED CREDIT-WORTHINESS CROP VALUE CURRENCY DEBT DEBT OBLIGATION DEPOSIT DEPOSIT ACCOUNTS DEPOSITS DEVELOPING COUNTRIES DEVELOPMENT BANK DIVERSIFICATION DOMESTIC BANKS ECONOMIC ACTIVITIES ECONOMIC DEVELOPMENT ECONOMIC GROWTH ENTREPRENEURS EXCHANGE RATE EXPORT GROWTH EXTERNAL SHOCKS FACILITATION FACTORING FAMILIES FARM MACHINERY FARMERS FINANCIAL ACCESS FINANCIAL CRISIS FINANCIAL FLOWS FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL LEVERAGE FINANCIAL MANAGEMENT FINANCIAL MARKET FINANCIAL MEASURES FINANCIAL NEEDS FINANCIAL PRODUCTS FINANCIAL RELATIONSHIP FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL STATEMENTS FINANCIAL SUPPORT FINANCIAL SYSTEM FINANCIAL SYSTEMS FINANCIAL TRANSACTIONS FINANCING NEEDS FINANCING REQUIREMENTS FIXED ASSETS FOREIGN EXCHANGE FORM OF CREDIT FORMAL FINANCIAL INSTITUTIONS GROSS DOMESTIC PRODUCT GROSS MARGINS GROUP LOANS INFORMATION SHARING INSTITUTIONAL CAPACITY INSTITUTIONAL DEVELOPMENT INSURANCE INSURANCE COMPANIES INTEREST RATES INTERNATIONAL BANK INTERNATIONAL FINANCE INTERNATIONAL STANDARDS INVENTORY INVESTMENT CAPITAL INVESTMENT CLIMATE LACK OF ACCESS LACK OF COLLATERAL LACK OF CREDIT LACK OF FINANCE LACK OF INFORMATION LAND VALUE LEGAL ENVIRONMENT LEGAL FRAMEWORK LENDERS LENDING INTEREST RATES LENDING PORTFOLIO LETTER OF CREDIT LETTERS OF CREDIT LEVEL OF ASSETS LEVEL PLAYING FIELD LIMITED ACCESS LIMITED ACCESS TO FINANCE LINES OF CREDIT LIQUIDITY LIQUIDITY MANAGEMENT LOAN LOAN APPLICATION LOAN APPRAISAL LOAN APPROVAL LOAN PRODUCTS LOAN REPAYMENT LOAN SIZE LOAN SIZES LOAN SUPERVISION LOC LOCAL GOVERNMENT MACROECONOMIC CONDITIONS MARKET FAILURES MERCHANTS MFI MFIS MICRO ENTERPRISE MICRO ENTERPRISES MICRO-CREDIT MICRO-ENTERPRISES MICRO-INSURANCE MICROFINANCE MICROFINANCE INSTITUTIONS MONEY LENDER MONEY MARKETS MONEY TRANSFER MONEY TRANSFERS MOVABLE COLLATERAL NATURAL RESOURCES NON-PERFORMING LOANS OUTREACH PAYMENTS SERVICES PERSONAL LOANS PERSONAL PROPERTY POLICY ENVIRONMENT PRODUCTIVITY PROFIT MARGINS PROFITABILITY PUBLIC INVESTMENTS PUBLIC-PRIVATE PARTNERSHIPS REAL SECTOR REGULATORY SYSTEM REPOS RULE OF LAW RURAL CREDIT SAVINGS SAVINGS ACCOUNTS SECONDARY MARKETS SELF-EMPLOYMENT SMALL ENTERPRISE SMALL LOANS SMALLHOLDER SOURCE OF CREDIT SOURCE OF INFORMATION SPECIALIZED BANKS STOCKS SUBSIDIARY SUPPLY OF FINANCING TAX TAX BURDEN TAX BURDENS TAX INCENTIVES TAXATION TECHNICAL ASSISTANCE TRADE CREDIT TRADE FACILITATION TRADING TRANSPARENCY TRANSPORT TURNOVER UNION URBAN AREAS USE OF COLLATERAL VILLAGES WAREHOUSE WAREHOUSE RECEIPT WAREHOUSE RECEIPT SYSTEM WAREHOUSE RECEIPT SYSTEMS WORKING CAPITAL
Online Access:	http://documents.worldbank.org/curated/en/2013/11/19122704/cambodia-study-access-financial-services-small-medium-agribusiness-enterprises-cambodia http://hdl.handle.net/10986/17554

Description
Summary:	Agriculture has been a mainstay of the Cambodian economy. It has seen significant growth throughout the 2000s and showed a significant resilience against external shocks during the 2008-09 economic and financial crises. Agribusiness enterprises do not operate in isolation from the rest of the economy. The state of production of agricultural raw materials, the state of the financial sector, and the nature of the financial sector's engagement with the real sector activities, as well as broader issues that affect private sector development all impact the development of the agribusiness sector. The current study seeks to analyze some of these linkages. It focuses specifically on the role the financial sector has played in the growth and development of the agribusiness sector. The study builds on the existing analytical work on agricultural and small and medium enterprise (SME) finance in Cambodia. The study was carried out in three major phases. The first phase was to determine a methodology to gather new information on linkages between agribusinesses and financial institutions. The second phase involved a survey of financial institutions (banks, microfinance institutions, and insurance companies) and 1,011 agribusinesses in Cambodia. The third phase emphasized analyzing the data and compiling a report that highlighted the key findings for the target audience. The report provides the broader context of the sector issues related to access to finance by agribusinesses, and review the available analytical work.

Cambodia : Study on Access to Financial Services for Small and Medium Agribusiness Enterprises in Cambodia

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