After a challenging yet successful year in 2018, we have seen and sur-mounted the impacts of regulatory changes in interest rate cap from March 2017 and the amount of the Non-Performing Loans resulting from 2017-year end.

Farmer Finance LTD has experienced drastic economic growth in Cambodia. We are more than ready to commit ourselves to offering transparency, quick service, economic assistance at an acceptable interest rate while embracing strong ethical morality and professionalism. We have seen an alarming increase in financial demands in past years as well as an extension in the foundation of our client. Farmer Finance LTD maintains an engaged part in assisting small to medium-sized business op-erators to overcome any cash flow problems and improve living standards in rural regions.

Looking ahead, we will make strides toward creating extra financing alter-natives and loan facilities at an even quicker rate to better satisfy custom-ers ‘ increasing requirement. In the coming year of 2019, as we forecast future financial demands from the people, we intend to grow our business operations in different areas of the nation. Establishing new branch loca-tions will not only meet customer’s economic requirements, but will also deliver our premium products and services to those in need.

We thank our clients; leadership team and business partners on behalf of the board of directors and shareholders at Farmer Finance LTD who have trusted and supported our company over the past years. Additionally, a special appreciation towards the National Bank of Cambodia (NBC) and related authorities for their continuous guidance and support throughout the years.