Money Archives - Page 14 of 16

CGCC & Key Reflection of Covid-19 response and future perspective to accelerate the economic recovery

Posted on November 26, 2021October 31, 2023 by Sorn Chhorvyvatey

CGCC’s CEO, Mr. Wong Keet Loong, on 26 November 2021, attended the Annual Micro Finance Conference 2021 via online, within the topic of Microfinance Sector Resilience and Economic Recovery amid the COVID-19 Pandemic: “Challenges and Opportunities”, and also participated as a panelist in the panel discussion within the topic of “Key Reflection of Covid-19 response and future perspective to accelerate the economic recovery”.

CGCC & Key Reflection of Covid-19 response and future perspective to accelerate the economic recovery

This event was organized by Cambodia Microfinance Association (CMA) with participation from related stakeholders such as government institutions, development agencies, especially the financial institutions including banks and Microfinance.

You might also be interested in Maybank Cambodia and CGCC team up to help local SMEs

CGCC Collaborates with Maybank (Cambodia) to support SMEs in long-term competitive advantages

Posted on November 26, 2021June 7, 2023 by Sorn Chhorvyvatey

Credit Guarantee Corporation of Cambodia (CGCC) has officially announced the strategic collaboration in the signing ceremony of the credit guarantee agreement with Maybank (Cambodia) Plc. on 26 November 2021, to support small & medium enterprises (SMEs) in Cambodia with the goal of building long-term competitive advantages through the Building Capacity & Capability (BCC) program to SMEs of Maybank (Cambodia).

The announcement was made on top of their strategic collaboration at the “Supporting SME Businesses in Cambodia” Business Forum, organized by Maybank Cambodia and CGCC, and supported by the Ministry of Economic and Finance (MEF), and the National Bank of Cambodia (NBC).

This business forum was also included with the panel discussion, which was moderated by the Under Secretary of State of the Ministry of Information, H.E. Ouk Kimseng, attended by 4 panelists including Deputy Director General, Trust Regulator of Non-bank Financial Services Authority, Mr. Ney Sakal, Deputy Director General, Banking Supervision of the National Bank of Cambodia, Mr. Heng Bomakara, CEO of CGCC, Mr. Wong Keet Loong, and Deputy CEO of Maybank (Cambodia), Mr. Rath Sophoan.

Wing Bank and Credit Guarantee Corporation of Cambodia Joint Force to Support the Recovery of Business Operation

Posted on November 15, 2021June 15, 2023 by Sorn Chhorvyvatey

Credit to: Khmer Times

With support from the Credit Guarantee Corporation of Cambodia, business owners affected by the pandemic can now take loans from Wing Bank to resume their operation.

Wing Bank (Cambodia) Plc and the Credit Guarantee Corporation of Cambodia (CGCC) officially kicked off the credit guarantee agreement to collaborate on disbursing loans to business operators in Cambodia who may face difficulty obtaining loans due to lack of sufficient collaterals.

This partnership will involve Wing Bank taking part in the Credit Guarantee Schemes with CGCC to support those businesses adversely affected by the Covid-19 pandemic including micro, small and medium enterprises to large firms to ease their access to formal loans for working capital and investment or business expansion.

“I am very delighted that we can now increase our financial support to more business owners with the collaboration with CGCC, “said Mr. Han Peng Kwang, Wing Bank’s Chief Executive Officer. “We have developed extensive financial products and services to help business owners in Cambodia. The partnership today will be another catalyst to further our reach to them.”

CGCC will support Wing Bank in guaranteeing the loans to borrowers whose businesses are deemed viable but lack collateral by providing credit guarantees as additional security, thereby reducing the required collaterals.

After its official launch as a commercial bank in April 2021, Wing Bank has put in place many financial products and services to meet the needs of individual customers and business owners. All can be accessed through Wing Bank, Wing Money App, and more than 10,000 Wing Cash Xpress agents across Cambodia.

Under this partnership agreement, Wing Bank becomes one of the 20 Participating Financial Institutions (PFIs) of CGCC in providing guaranteed loans to businesses, including SMEs, that lack collateral for their working capital and business expansion.

Mr Wong Keet Loong, Chief Executive Officer of CGCC mentioned that, “Our partnership with Wing Bank is strategic for CGCC to tap on the wide coverage of Wing Bank’s innovative array of financial products via its digital network. This will propel CGCC into the digital space by offering our guarantee for loans to businesses in the Wing’s digital eco-systems.”

Established in 2020, CGCC is aimed at improving financial inclusion and developing the growth of SMEs through providing credit guarantees to lenders on loans made to businesses based on international standards.

Cambodian Business owners with more than 50% ownership can now approach Wing Bank for the CGCC’s guarantee scheme or contact it directly via its website www.cgcc.com.kh for more information.

ABA Bank partners with CGCC to provide further loan support to businesses

Posted on November 11, 2021June 15, 2023 by Sorn Chhorvyvatey

ABA Bank, the country’s leading commercial bank, and Credit Guarantee Corporation of Cambodia Plc. (CGCC), a state-owned enterprise of the Royal Government of Cambodia officially signed the Credit Guarantee Agreement on 11 November 2021. Under the Agreement, ABA will provide loans guaranteed by CGCC to support micro, small and medium enterprises (MSMEs) and large companies in Cambodia on business expansion, investment, and working capital.

This partnership enables ABA Bank to support and assist business entities who are financially viable but lack collateral when requesting loans by using guarantees under the CGCC’s Credit Guarantee Scheme (CGS). Through this Agreement, ABA Bank can assist more businesses, especially SMEs, by offering them more accessible and quicker applications and higher loans to prioritized sectors.

ABA’s Chief Executive Officer, Askhat Azhikhanov commented, “SMEs play a vital role in the economy, and traditionally are in the focus of Cambodian financial institutions. Due to the regulation and risk management, banks require potential borrowers to comply with a list of criteria, including credit history, financial condition, and collateral. Not all of them meet those criteria, while the pandemic affected even more businesses. The Credit Guarantee Scheme initiated by the Royal Government provides a beneficial risk-sharing mechanism between ABA and CGCC whereby businesses not fully eligible for a bank loan can still access formal financing from ABA. The Bank will consider such requests based on its credit policy and loan application assessment, while the priority will be given to agriculture, industry, and services sectors of the economy.”

“We at ABA Bank partner with CGCC in providing SME businesses with easier access to loans and restate our commitment to benefit Cambodia and its people in line with our corporate mission and values,” he added.

Mr. Wong Keet Loong, Chief Executive Officer of CGCC, mentioned that “CGCC was set up with the objective of increasing loan growth in the banking sector. With the credit guarantee, financial institutions can provide higher loan margins. As the economy is reopening, there will be a higher demand for loans from SMEs to increase their business.”

“CGCC’s guarantee will act as part of the collateral for the bank loans, thus, reducing the collaterals required from the borrowers. ABA Bank, being one of the top banks, has a strong loan growth and its wide network of branches will be strategic for CGCC to accomplish its objectives. We look forward to this partnership to reach out to more SMEs”, he added.

In March 2021, the CGCC launched the $200 million Business Recovery Guarantee Scheme (BRGS) to help businesses, including micro, small, and medium-sized businesses (MSMEs), as well as large corporations, to gain better access to formal loans from participating financial institutions (PFIs). To expand support to SMEs, Co-financing Guarantee Scheme (CFGS), the second credit guarantee scheme was launched in September 2021, for guarantee on loans under the SME Bank’s Co-Financing Scheme Phase II. Under this Agreement, ABA becomes one of the 19 PFIs committed to these schemes in providing easy access to loans for businesses hit hard by the COVID-19 outbreak.

Call the CGCC Call Center at 023 722 123 or the ABA Call Center at 023 225 333 for more information on the services offered by CGCC and ABA.

Credit to: Khmer Times

Signing ceremony between CGCC and Chamroeun MFI to support SMEs in Rural Area

Posted on October 22, 2021June 15, 2023 by Sorn Chhorvyvatey

Credit Guarantee Corporation of Cambodia (CGCC) and Chamroeun Microfinance conducted a signing ceremony on the credit guarantee agreement on 22 October 2021 to expand supports to Agri-SMEs in Cambodia who lack collateral in accessing formal loans for their businesses with CGCC’s guarantees.

Mr. Wong Keet Loong, Chief Executive Officer of CGCC, expresses a warm welcome to Chamroeun MFI on becoming a Participating Financial Institutions (PFIs) of CGCC.

Signing ceremony between CGCC and Chamroeun MFI to support SMEs in Rural Area

Mr. Wong mentions that: “the collaboration with Chamroeun MFI will enable CGCC to support the Agri- SMEs in rural areas who have difficulty to access formal financing from FIs. Chamroeun MFI will be able to provide financing to those micro, small and medium entrepreneurs (MSME) who do not have sufficient collateral for the loans. With access to financing, we hope that the MSMEs will be able to scale up their livelihood, thus, reducing poverty.”

Mr. Yannick Nicolas MILEV, Chief Executive Officer of Chamroeun MFI, said: “CGCC’s initiatives are key to helping building rural economies and market systems. Agri-SMEs in rural areas often find it difficult to access formal financing as the requirements from financial sector providers often do not match the capacities these Agri-SMEs have. The guarantee schemes allow for this gap to be bridged, and for both players to ultimately better understand each other’s business realities and processes – in turn strengthening financial inclusion for high impact businesses.”

Cambodian Business owners, including SMEs with more than 50% ownership, are encouraged to apply for guaranteed loans with CGCC’s PFIs, including Chamroeun MFI. Please visit Chamroeun MFI’s website for more information: https://www.chamroeun.com/

As of 20 October 2021, CGCC has supported more than 105 businesses through credit guarantees on their loan applications, amounting to more than USD 14 million. Also, CGCC has provided the most guarantees to SMEs, which is accounted for 94% of the total businesses receiving the credit guarantees from CGCC.

You might also be interested in CGCC extending credit guarantee to more financial institutions

Meeting to understand the possibility of collaboration in credit guarantee to rice sector

Posted on October 1, 2021June 7, 2023 by Sorn Chhorvyvatey

On Friday, 01 October 2021, Credit Guarantee Corporation of Cambodia (CGCC) and Cambodia Rice Federation (CRF) held a first discussion meeting virtually to understand the possibility of collaboration and supports on credit guarantees for loans to CRF’s members such as exporters, rice millers, and especially Agricultural Cooperatives, who are facing challenges in getting formal loans for their working capital or business expansion due to lack of collateral.

The meeting was attended by Mr. Wong Keet Loong, CEO of CGCC, Mr. No Lida, Deputy CEO of CGCC, and other CGCC staff, while CRF was attended by Oknha Chan Sokheang, Vice President, Mr. Lun Yeng, Secretary-General and Mr. Yon Sovann, member of CRF’s Board of Director.

Meeting to understand the possibility of collaboration in credit guarantee to rice sector

CGCC understands the importance of agriculture, especially the rice sector, in the development of Cambodia’s economy, which is also in line with the CGCC’s principle that considers the agricultural sector as one of its priority sectors. This discussion meeting paved the way for CGCC and CRF to have a clearer and better understanding of the importance of having a credit guarantee to tackle challenges of accessing formal loans within the rice sector, and especially for loans that lack collateral.

CGCC and CRF will continue to study the possibility of this cooperation that will support the Cambodian rice sector with a joint effort from related stakeholders as well as financial institutions.

You might also be interested: Signing ceremony between CGCC and Chamroeun MFI to support SMEs in Rural Area

Briefing session on “Co-Financing Guarantee Scheme (CFGS)” of CGCC to PFIs

Posted on September 28, 2021June 15, 2023 by Sorn Chhorvyvatey

On Tuesday, 28 September 2021, CGCC organized an online briefing session to Participated Financial Institutions (PFIs) on the newly launched guarantee scheme “Co-Financing Guarantee Scheme (CFGS)” with 70 participations from banks, and micro-finance institutions.

This briefing session was organized to present and disseminate to CGCC’s PFIs regarding the relevant information of CFGS, the new CGCC’s guarantee scheme that was officially launched on September 22, 2021.

CFGS is the second credit guarantee scheme of CGCC amounting to $50 million, while the first credit guarantee, the Business Recovery Guarantee Scheme (BRGS) launched in March 2021, with the total guarantee amount of $200 million to support the economic recovery during the COVID-19 pandemic

CGCC strongly hope that after this briefing session of this 2nd guarantee scheme, CFGS, our PFIs can actively disseminate this new scheme to expand access to formal loans among businesses in Cambodia, which is in line with the government’s policy in supporting the Small and Medium Enterprise (SME) in access to finance for working capital or expansion. CGCC’s guarantee scheme will act as collateral from 70 to 80% of the loan amount, thus reducing the physical collateral required from the borrowers.

Understand more about Co-Financing Guarantee Scheme (CFGS): https://cgcc.com.kh/en/co-financing-guarantee-scheme/

សាជីវកម្មធានាឥណទានកម្ពុជា (CGCC) ដាក់ឱ្យដំណើរការ “គម្រោងធានាឥណទានសម្រាប់សហហិរញ្ញប្បទាន ៥០លានដុល្លារ” ដើម្បីទ្រទ្រង់សហគ្រាសធុនតូចនិងមធ្យម

Posted on September 22, 2021June 7, 2023 by Sorn Chhorvyvatey

សាជីវកម្មធានាឥណទានកម្ពុជា (CGCC) មានសេចក្តីសោមនស្សក្រៃលែង ក្នុងការប្រកាសដាក់ឱ្យដំណើរការនូវ “គម្រោងធានាឥណទានសម្រាប់សហហិរញ្ញប្បទាន (CFGS)” ជាផ្លូវការ។ គម្រោង CFGS ត្រូវបានបង្កើតឡើងជាពិសេស សម្រាប់កម្ចីសហហិរញ្ញប្បទានដែលផ្តល់ក្រោមគម្រោងសហហិរញ្ញប្បទានទ្រទ្រង់សហគ្រាសធុនតូច និងមធ្យម ជំហានទី២ (SCFS II) របស់ធនាគារសហគ្រាសធុនតូច និងមធ្យមកម្ពុជា ។

គម្រោង CFGS របស់ CGCC និងគម្រោង SCFS II របស់ធនាគារ SME គឺជាការរួមគ្នានៃសហគ្រាសសាធារណៈទាំងពីរ ក្នុងការលើកកម្ពស់ការទទួលបានហិរញ្ញប្បទាន សម្រាប់សហគ្រាសធុនតូចនិងមធ្យមនៅកម្ពុជា។ ខណៈដែលគម្រោង SCFS II មានគោលបំណងកាត់់បន្ថយចំណាយ (អត្រាការប្រាក់) នៃឥណទានរបស់សហគ្រាសធុនតូច និងមធ្យម CFGS របស់ CGCC គឺជាគម្រោងធានាឥណទាន ដែលដើរតួជាទ្រព្យបញ្ចាំចាប់ពី ៧០% ដល់ ៨០% នៃទំហំកម្ចី ដើម្បីកាត់បន្ថយតម្រូវការទ្រព្យបញ្ចាំពីគ្រឹះស្ថានធនាគារ និងហិរញ្ញវត្ថុ (គ្រឹះស្ថានហិរញ្ញវត្ថុចូលរួម) ទៅកាន់អ្នកខ្ចី។

CGCC នឹងដាក់ឱ្យដំណើរការជាផ្លូវការនូវជំហានទីមួយ នៃគម្រោង CFGS ដែលមានទឹកប្រាក់សរុប ៥០លានដុល្លារ ដើម្បីធានាដល់ឥណទានដែលផ្តល់ក្រោមគម្រោង SCFS II។ គម្រោងនេះនឹងជួយឱ្យមានការបញ្ចេញ ឥណទានថ្មីៗនៅក្នុងវិស័យធនាគារ ពីគ្រឹះស្ថានហិរញ្ញវត្ថុចូលរួម (PFIs) របស់ CGCC ទៅកាន់ក្រុមហ៊ុនអាជីវកម្ម។ ទន្ទឹមនេះ PFIs នឹងអាចផ្តល់កម្ចីច្រើនជាងមុន ធៀបនឹងតម្លៃនៃទ្រព្យបញ្ចាំ ដោយហានិភ័យក្នុងការផ្តល់ឥណទាននេះនឹងត្រូវបានចែករំលែកដោយ CGCC រហូតដល់ ៨០%។

CFGS គឺជាគម្រោងធានាឥណទានទី២ ដែលត្រូវបានដាក់ចេញដោយ CGCC។ គួរបញ្ជាក់ថា CGCC បានដាក់ចេញគម្រោងធានាឥណទានដើម្បីស្តារអាជីវកម្ម ដែលមានទំហំទឹកប្រាក់ ២០០ លានដុល្លារអាមេរិក នៅខែមីនាឆ្នាំ ២០២១ ក្នុងគោលបំណងគាំទ្រដល់ការងើបឡើងវិញនៃសេដ្ឋកិច្ច ក្នុងអំឡុងពេលវិបត្តិជំងឺកូវីដ-១៩។ គិតត្រឹមថ្ងៃទី ២១ ខែកញ្ញា ឆ្នាំ២០២១ CGCC បានផ្តល់ការធានាឥណទានលើកម្ចីចំនួន ៨៥កម្ចី ដែលមានទំហំប្រមាណ ១២លានដុល្លារ ដល់បណ្តាក្រុមហ៊ុនអាជីវកម្ម តាមរយៈ PFIs របស់ CGCC ។

ឯកឧត្តម រស់ សីលវ៉ា រដ្ឋលេខាធិការនៃក្រសួងសេដ្ឋកិច្ច និងហិរញ្ញវត្ថុ និងជាប្រធានក្រុមប្រឹក្សាភិបាលរបស់ CGCC មានប្រសាសន៍ថា “ការដាក់ឱ្យដំណើរការនូវគម្រោង CFGS របស់ CGCC គឺជាការឆ្លើយតបទាន់ពេលវេលា និងជាការគាំទ្របន្ថែមយ៉ាងសំខាន់ លើគម្រោង SCFS II របស់ធនាគារសហគ្រាសធុនតូច និងមធ្យមកម្ពុជា ក្នុងការចែករំលែកហានិភ័យជាមួយ PFIs។ គម្រោងទាំងពីរនេះ នឹងបំពេញបន្ថែមគ្នាទៅវិញទៅមក ក្នុងការដោះស្រាយនូវបញ្ហាប្រឈមចម្បង ២យ៉ាង ក្នុងការទទួលបានហិរញ្ញប្បទាន របស់សហគ្រាសធុនតូច និងមធ្យម ដែលទីមួយគឺ ការចំណាយខ្ពស់ក្នុងការទទួលបានកម្ចី និងទីពីរគឺ កង្វះទ្រព្យបញ្ចាំ”។

ម្ចាស់សហគ្រាសខ្នាតតូចនិងមធ្យម ដែលមានសញ្ជាតិកម្ពុជា (កាន់កាប់ភាគហ៊ុនលើសពី៥០%) អាចទាក់ទងទៅកាន់ PFIs របស់ CGCC ឬទាក់ទងផ្ទាល់មកកាន់ CGCC តាមរយៈលេខទូរស័ព្ទ ០២៣ ៧២២ ១២៣ ឬអ៊ីម៉ែល [email protected] ឬចូលទៅកាន់គេហទំព័រ www.cgcc.com.kh សម្រាប់ព័ត៌មានបន្ថែម ។

ស្ថាប័នហិរញ្ញវត្ថុចូលរួម របស់សាជីវកម្មធានាឥណទានកម្ពុជា រួមមាន ធនាគារ អេប៊ីអេ, ធនាគារ អេស៊ីលីដា, គ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុ អេ អឹម ខេ, គ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុ អម្រឹត, ធនាគារ អាស៊ា-ប៉ាស៊ីហ្វិក ឌីវេឡុបមេន, ធនាគារ ប្រេដ ប៊ែង, ធនាគារ ប្រៃសណីយ៍កម្ពុជា, គ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុ ខេមា, ធនាគារ កាណាឌីយ៉ា, គ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុចម្រើន, ធនាគារពាណិជ្ជកម្មក្រៅប្រទេសនៃកម្ពុជា, ធនាគារ ជេ ត្រាស់ រ៉ូយ៉ាល់, គ្រឹះស្ថានមីក្រូហិរញ្ញវត្ថុ អិលអូអិលស៊ី, ធនាគារ ហ្វីលីព, ធនាគារភីភីស៊ីប៊ែង, ធនាគារ ព្រីនស៍, ធនាគារ អ អេច ប៊ី, ធនាគារ ស្ថាបនា និងធនាគារ វីង។ CGCC ស្វាគមន៍នូវកិច្ចសហការជិតស្និទ្ធជាមួយនឹងគ្រប់ភាគីពាក់ព័ន្ធទាំងអស់ ដើម្បីគាំទ្រ សហគ្រាសធុនតូច និងមធ្យម នៅកម្ពុជា ជាមួយនឹងគម្រោង CFGS ៕

Credit to: Cambonomist, 22 September 2021

Credit Guarantee Corporation of Cambodia launches $50 million Co-Financing Guarantee Scheme to support SMEs

Posted on September 22, 2021June 15, 2023 by Sorn Chhorvyvatey

Credit Guarantee Corporation of Cambodia (CGCC) announce the launch of the Co-Financing Guarantee Scheme (CFGS). CFGS is specifically designed for the co-financing loans disbursed under the SMEs Co-Financing Scheme Phase II (SCFS II) of the SME Bank of Cambodia.

CFGS and SCFS II are the joint efforts of the two state-owned enterprises to improve access to finance for SMEs. While SCFS II aims to lower SMEs’ cost of borrowing, CFGS is a guarantee scheme that will act as collateral/security for 70 percent – 80 percent of the loan amount; thus, reducing the physical collateral required from the borrowers.

CGCC will launch the first tranche of the CFGS amounting to $50 million to guarantee loans under the SCFS II. This scheme will support the growth of new loans in the banking sector to enable business owners to borrow from the Participating Financial Institutions (PFIs) of CGCC. PFIs will be able to offer higher loan amounts and the risk exposure will be shared with CGCC up to 80 percent.

The Co-Financing Guarantee Scheme is the second credit guarantee scheme offered by the CGCC. CGCC launched the $200 million Business Recovery Guarantee Scheme (BRGS) in March 2021 to support the economic recovery during the Covid-19 pandemic. As of September 21, CGCC has assisted 85 businesses including SMEs by providing credit guarantees for their loan applications from the PFIs amounting to $12 million.

Ministry of Economy and Finance secretary of state HE Ros Seilava, who is also the chairman of CGCC’s board of directors, said that “the launch of the CFGS by CGCC is timely to provide additional support to the SCFS II of the SME Bank of Cambodia for risk-sharing with the PFIs. The two facilities will complement each other to address two key issues faced by the SMEs in access to finance – the high cost of borrowing and collateral issues.”

Cambodian-owned SMEs (>50 percent ownership) may approach the PFIs of CGCC, contact CGCC at 023 722 123 or [email protected] or visit www.cgcc.com.kh for more information. CGCC’s PFIs includes ABA Bank, Acleda Bank, AMK MFI, Amret MFI, Asia Pacific Development Bank, BRED Bank, Cambodia Post Bank, CAMMA MFI, Canadia Bank, Chamroeun MFI, Foreign Trade Bank of Cambodia, J Trust Royal Bank, LOLC MFI, Phillip Bank, PPCBank, Prince Bank, RHB Bank, Sathapana Bank, and Wing Bank. CGCC looks forward to working closely with all stakeholders to support the growth of SMEs with the CFGS.

Credit to: Phnom Penh Post, 22 September 2021

6th Board of Directors Meeting of Credit Guarantee Corporation of Cambodia (CGCC)

Posted on September 20, 2021June 15, 2023 by Sorn Chhorvyvatey

On 20 September 2021, the 6th Board of Directors Meeting of Credit Guarantee Corporation of Cambodia (CGCC) was organized virtually, in the presence of H.E. Ros Seilava, Secretary of State of the Ministry of Economy and Finance, and the chairman of the CGCC’s Board of Directors, along with the presence of other five Board of Director members. The meeting was held in order to update the progress of the CGCC, as well as to discuss the business strategy and budget for 2022.

The agenda of this 6th Board of Directors Meeting included: (1) Strategic Business and Budget Plan for 2022 of Credit Guarantee Corporation of Cambodia, (2) Authority Manual of Credit Guarantee Corporation of Cambodia, and (3) others.

CGCC’s Board of Directors Meeting is regularly organized to review, evaluate and seek recommendations and decisions on CGCC’s activities and progress, especially on the two main credit guarantee schemes of CGCC, including the Business Recovery Guarantee Scheme (BRGS) and Co-Financing Guarantee Scheme (CFGS), in order to ensure transparency and efficiency.

Understand more about CGCC and the structure with the sub-degree of establishing CGCC:

Sub-Degree of Establishing the Credit Guarantee Corporation of Cambodia (CGCC)

Tag: Money