First Finance 25

Vann sells desserts from her street stall in Cambodia. She prepares everything at home, but for years she had very little space to do so. She lived with her family in a small wooden house without a bathroom. Thanks to a loan from First Finance, she was able to build a new home with space for her work.

funding gap emerging markets
First Finance
Company
Cambodia
Country

The project

Vann lives with her family in Cambodia. Her husband, their two daughters, and her son-in-law work in the garment industry, while Vann sells desserts from a street stall. Despite these four sources of income, it was difficult for the family to obtain a mortgage from a bank.

As a result, they lived for a long time in a small wooden house. The house was cramped, leaked during the rainy season, and had no bathroom or toilet. With several adults under one roof, it offered little comfort or safety. Vann also had very limited space at home to prepare her desserts.

For families like Vann’s, First Finance provides affordable housing loans to build, buy, or renovate a home. With a combination of their own savings and a housing loan from First Finance, the family was able to build a new house. Their new home offers space, privacy, and comfort. For Vann and her family, it represents greater security and confidence in the future.

With your investment, more families in Cambodia can access affordable housing and improve their living conditions. Will you invest in housing security in 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 17 days on 6 May 2026.
551investors
€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.