PRASAC aims to be the best in providing loan products to the rural and urban communities and enterprises in Cambodia through developing and constantly reviewing loan products to fulfill client demands and satisfy client preferences, while ensuring operational and financial sustainability and conferring to international standard, principles and morality in compliance with the Cambodian laws and regulations of the National Bank of Cambodia.

Loan products are products provided by PRASAC in any currencies which provide the client with cash by securing client with agreement which combined of terms and conditions. This product creates an asset to PRASAC and an obligation to the borrower who will compensate PRASAC for the use of its fund by paying interest and/or fees or such other forms of compensation as may be agreed by borrowers.

1.1 Purpose
PRASAC will provide loans for agricultural, industrial or commercial purposes that will enhance the quality of life of the borrower and his dependants. Loans will be considered for new as well as existing activities in the areas mentioned above. Loans will not be provided for financing activities which are prohibited by the laws of Cambodia and for purposes described in PRASAC's exclusion list.

The purposes of Loan Products are to:
1. Provide the borrower with the funds with which to expand business or purchase goods and services to enhance living standards in anticipation of future income.
2. Enable PRASAC to profitably recycle its financial resources and create shareholders’ value and minimize risk.
3. Support economic development by mobilizing capital into productive sectors of society thereby creating wealth, increasing employment and encouraging the sustainable exploitation of the country’s natural resources.

PRASAC will not provide its loan to client who will use the loan with the purposes as below:
1. Any activities which are prohibited by laws of kingdom of Cambodia
2. Any activities which are required to have license from involved authority but client does not have license.
3. Loan for any purposes described in PRASAC exclusion list (link)

1.2 Currencies
PRASAC provides loan in Local currency (Khmer Riel), USD Currency, and other foreign currencies to meet market demands. It will be mindful of the exchange risk and educate the client on same, when lending in foreign currency.

1.3 Loan Products
PRASAC's main loan products at present are as follows:

1.3.1 Group Loans
Loan size is up to (Equivalent) USD 1,250 (USD 250 for each member of the group). The number of members in the group varies from 2 to 5 borrowers. The purpose of this loan is to satisfy the needs of households which are engaged in daily small income generating activities.

1.3.2 Individual Loans
Loan size is up to (Equivalent) USD 25,000. This loan is designed for those engaged or desire to be engaged in production activities such as vegetable/crop growing and animal raising with or without other sufficient regular income generating activities, designed to enable people with regular income to buy consumable goods, enhance the life style, pay school fees, enter marriage, effecting house improvement, etc, designed to enable clients in setting up new business or expand the existing one and/or existing products will be modified or withdrawn.

1.3.3 Other Loans Product
Other loan products may be introduced from time to time in accordance with the needs of the market.

1.4 Eligible Criteria
1.    Group Loans:
    -    Group member: 2-5 members and one selected group leader
    -    One member from each household
    -    Have permanent resident in the village   
    -    Similar loan purposes (not homogeneous)
    -    Age between 18 – 65 years 
2.    Individual Lending:
    -    Have permanent resident in the village
    -    Age between 18 – 65 years
    -    Have/show profitable business
    -    Contribute 20% of their own capital into the business activity
    -    Have physical collateral and personal guarantor