First Finance 20

Many families in Cambodia have a steady income, but hardly see this reflected in their living situation. Without access to appropriate financing, it remains difficult to invest in a safe and comfortable home. First Finance supports families by offering affordable home loans so that they can convert their income into safe housing.

funding gap emerging markets
First Finance
Company
Cambodia
Country

The project

Imagine living with several family members under one roof. There is little room for privacy, and basic facilities such as a bathroom or toilet are missing. You have one or more steady incomes, yet turning the dream of a safer and more comfortable home into reality remains out of reach.

Many families in Cambodia, despite having a stable income, cannot access a mortgage through a traditional bank, for example because they cannot provide collateral. They also often lack guidance on how to approach a loan or a home renovation. First Finance offers affordable housing loans to families in Cambodia who want to build, buy, or renovate a home.

With your investment, you make it possible for more families in Cambodia to work toward a safe home and a more stable life.


Your Investment

  • Annual interest rate: 6,75%
  • Maturity: 36 months
  • For an investment of €1,000, the expected total repayment is €1,143
  • Grace period: The loan has a 12-month grace period during which no principal is repaid, but you’ll receive interest payments every 6 months.
  • Repayments: Starting in month 18, you’ll receive repayments every 6 months, including interest, with payments in months 18, 24, 30 and 36.
  • Currency: dollar. Please note that while you invest in euros, the loan is in dollars, which means there is a risk of currency fluctuations between the two. Visit our page on currency risks for more details.

First Finance

CEO
Sim Senacheert
Founded
2009-04-23
Location
Phnom Penh
Sector
Services
Turnover
$11,861,435
Employees
374
€150,000raised
Fully funded in 10 days on 27 January 2026.
423investors
€150,000loan is in
USD
target
6.75
%
Interest
36
months
Maturity
6
months
Repayments
A
B
C
D
E
Credit score
USD
Microfinance

Impact

110
Lives improved

In Cambodia, 75% of people cannot afford to buy a home. Yet owning a house is one of the most important steps toward economic stability for low and middle-income families.

First Finance helps bridge this gap. By offering long-term home improvement loans, they enable underserved families to buy, build, or improve a place they can truly call home. But they do not stop there. First Finance also educates people on how to safely buy and sell property, while protecting them against the risks that often come with homeownership.

Safe and affordable housing is more than just a roof overhead. It improves living standards, strengthens both mental and physical health, supports children’s growth and development, and creates lasting opportunities for families. The positive effects extend further, generating jobs, raising incomes, and contributing to a more sustainable environment.