First Finance 24

A safe and comfortable home is still out of reach for many families in Cambodia. Even with a steady income, stability does not always mean a secure place to live. Without access to affordable financing, owning a home remains a distant dream. First Finance helps families turn their income into real housing security.

funding gap emerging markets
First Finance
Company
Cambodia
Country

The project

While poverty is slowly declining, countless families still live in uncertain conditions without a safe home. Nearly 40 percent of urban residents live in informal settlements where basic services such as clean water, sanitation and electricity are often missing.

For low and middle-income families, buying a house is a huge challenge. Many households share one roof across multiple generations, often without a proper bathroom or toilet. Even with one or more steady incomes, a safe and comfortable home remains out of reach.

Many families cannot get a mortgage from regular banks, for example because they lack collateral. Since 2009, First Finance has been helping Cambodian families with affordable housing loans, allowing thousands of families to become homeowners for the first time.

With your support, you are not just helping build houses. You are creating a foundation of stability, security and hope for Cambodian families. Will you invest in housing security and a brighter future for Cambodia?


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
$4,011,438
Employees
374
€150,000raised
Fully funded in 23 days on 16 April 2026.
670investors
€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

21
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.