First Finance 26

For many families in Cambodia, a safe and decent home remains financially out of reach. Through accessible housing loans, First Finance offers a solution: families can use the financing to buy land, build a house, or improve their existing home.

funding gap emerging markets
First Finance
Company
Cambodia
Country

The project

A proper family home is still a luxury in Cambodia. Nearly 40% of the urban population lives in informal settlements where basic services such as clean water, sanitation, and electricity are lacking.

For years, Ol Pangha and her family lived in a small one-room house on a rubber plantation. Owning a home seemed like a distant dream, as the couple’s low income left little room for a better future. That changed when they both found jobs at a shoe factory. Their income increased, along with their opportunities.

With a loan from First Finance, the family gradually built their own home. The long repayment term kept the monthly installments affordable. Today, they live in a quiet and stable home where their two daughters can grow up safely.

Since 2009, First Finance has provided affordable housing loans to families across Cambodia. Thousands of people have gained the opportunity to build or buy a home for the first time. Families who already have a roof over their heads can also access financing to improve their homes, such as adding a room, strengthening a roof, or upgrading sanitation facilities.

Your investment contributes to better living conditions for families in Cambodia.


Your Investment

  • Annual interest rate: 7.25%
  • Maturity: 36 months
  • For an investment of €1,000, the expected total repayment is €1.163. 
  • 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 1 day on 9 May 2026.
457investors
€150,000loan is in
USD
target
7.25
%
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.