Our Value and Principle


  • SOLIDARITY: is expressed between members who save and members who borrow. Furthermore, cooperation  among financial cooperatives is developed, especially through the branches.
  • PROXIMITY: is encouraged by a wide network of financial cooperatives. Relationships are developed between the members and the branches which own by its customer-members, based on mutual trust.
  • EQUALITY: each member is considered equally without taking into account social or financial status.
  • DEMOCRACY: each member has the right to vote with the principle: 1 person = 1 vote.
  • TRANSPARENCY: is ensured by the control of members, advanced banking software and frequent audits.
  • AUTONOMY: savings are used to provide capital for credit. The network aims for sustainability to ensure financial and technical independence.
  • PARTICIPATION: members participate by voting during the annual meeting, by electing representatives, and economically with a capital share of 8000 Riels (US$2).
  • PROFESSIONALISM: Crédit Mutuel Kampuchea (CMK) benefits from the great expertise of CICM,Crédit Mutuel. Crédit Mutuel Kampuchea (CMK) ensures high quality of services, through skilled employees and well trained elected members.