PHOTOS: A day in the life…of a Cambodian loan officer

What does daily life look like for a microfinance loan officer? Loan officers are the hardworking folks who interact each day with World Vision Micro entrepreneurs -- sharing business practices, processing their loan applications, and more!

We've asked our staff in Cambodia to give us a glimpse of a day in the life of a Cambodian loan officer. Below is the story, in pictures, of loan officer Nhek Chanthy, who visits a few of Micro's entrepreneurs in central Cambodia.

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Loan officer Nhek Chanthy prepares to visit entrepreneurs who have requested small business loans from VisionFund, World Vision

Loan officer Nhek Chanthy prepares to visit entrepreneurs who have requested small business loans from VisionFund, World Vision's microfinance institution (MFI) in Cambodia. Several of these entrepreneurs will be featured on the Micro website. Here, Nhek is preparing the paperwork for disbursement for the entrepreneurs he will soon visit.

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The loan officer travels by motorcycle to visit entrepreneurs in the Tropeang Thmor village. He is surrounded on either side by rice paddy fields just after harvest.

The loan officer travels by motorcycle to visit entrepreneurs in the Tropeang Thmor village. He is surrounded on either side by rice paddy fields just after harvest.

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When he arrives, the loan officer first meets with the community leader and village chief. World Vision

When he arrives, the loan officer first meets with the community leader and village chief. World Vision's MFIs work closely with local leaders to determine good candidates for microloans and to maintain good community relations.

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The loan officer then meets with the entrepreneurs who have applied for a small business loan.

The loan officer then meets with the entrepreneurs who have applied for a small business loan.

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Then, the loan officer gives an orientation about VisionFund and reviews financial training. He uses charts and diagrams designed by the MFI in Cambodia to help explain household finances.

Then, the loan officer gives an orientation about VisionFund and reviews financial training. He uses charts and diagrams designed by the MFI in Cambodia to help explain household finances.

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For the entrepreneurs who choose to participate in the Micro program, the loan officer fills out a questionnaire and captures a photo of their business for the Micro website. These questions are designed to gather more information about the client

For the entrepreneurs who choose to participate in the Micro program, the loan officer fills out a questionnaire and captures a photo of their business for the Micro website. These questions are designed to gather more information about the client's business and future goals.

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In order to prevent fraud, the loan officer checks the client

In order to prevent fraud, the loan officer checks the client's ID and documentation whenever a loan is disbursed.

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 The loan officer captures information on the client

The loan officer captures information on the client's loan application form.

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When entrepreneurs agree to receive a loan, they sign a loan contract with either signature or thumbprint. Then, the loans are disbursed to each entrepreneur in the local currency.

When entrepreneurs agree to receive a loan, they sign a loan contract with either a signature or thumbprint. Then, the loans are disbursed to each entrepreneur in the local currency.

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The cash is always counted by both the loan officer and recipient to ensure the correct amount is distributed.

The cash is always counted by both the loan officer and recipient to ensure the correct amount is distributed.

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Lastly, for the entrepreneurs who participate in the Micro program, the loan officer captures a photo of the entrepreneur with their business to be used on the Micro website. Here, an entrepreneur is in the process of making palm sugar.

Lastly, for the entrepreneurs who participate in the Micro program, the loan officer captures a photo of the entrepreneur with his or her business to be used on the Micro website. Here, an entrepreneur is in the process of making palm sugar.


With World Vision Micro, you have the opportunity to connect with a hardworking entrepreneur who needs the help of a small loan to escape poverty and create stability and independence for his or her family. With a loan repayment rate of 98.7 percent, your donation has the potential to recycle and help many more people in need!

Fund a small loan for an entrepreneur of your choice today.

Read more on the World Vision Blog about: Business Economic opportunity

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