World Bank2014-04-012014-04-012013-11https://hdl.handle.net/10986/17554Agriculture has been a mainstay of the Cambodian economy. It has seen significant growth throughout the 2000s and showed a significant resilience against external shocks during the 2008-09 economic and financial crises. Agribusiness enterprises do not operate in isolation from the rest of the economy. The state of production of agricultural raw materials, the state of the financial sector, and the nature of the financial sector's engagement with the real sector activities, as well as broader issues that affect private sector development all impact the development of the agribusiness sector. The current study seeks to analyze some of these linkages. It focuses specifically on the role the financial sector has played in the growth and development of the agribusiness sector. The study builds on the existing analytical work on agricultural and small and medium enterprise (SME) finance in Cambodia. The study was carried out in three major phases. The first phase was to determine a methodology to gather new information on linkages between agribusinesses and financial institutions. The second phase involved a survey of financial institutions (banks, microfinance institutions, and insurance companies) and 1,011 agribusinesses in Cambodia. The third phase emphasized analyzing the data and compiling a report that highlighted the key findings for the target audience. The report provides the broader context of the sector issues related to access to finance by agribusinesses, and review the available analytical work.en-USCC BY 3.0 IGOACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCOUNT HOLDERSACCOUNTINGACCOUNTING STANDARDSACCOUNTING SYSTEMSACCOUNTS RECEIVABLEADVISORY SERVICESAFFORDABILITYAGRICULTURAL COMMODITIESAGRICULTURAL PRODUCTSAGRICULTURAL SECTORAGRICULTURAL SECTORSAGRICULTURAL TRADEAGRICULTURE ORGANIZATIONAPPLICATION PROCESSAPPROVAL PROCEDURESASYMMETRIC INFORMATIONBANK ACCOUNTBANK BRANCHBANK LENDINGBANKING INDUSTRYBANKING INSTITUTIONSBANKING SECTORBANKING SERVICESBANKING SYSTEMBORROWERBORROWINGBORROWING CAPACITYBUSINESS ASSOCIATIONSBUSINESS COMMUNITYBUSINESS MANAGEMENTBUSINESS PLANBUSINESS PLANSBUSINESS VOLUMESCAPITAL REQUIREMENTSCAPITAL SHORTAGECAPITAL STOCKCAPITALIZATIONCASH FLOWSCASH HOLDINGSCOLLATERALCOLLATERAL REGISTRYCOLLATERAL REQUIREMENTSCOMMERCIAL BANKSCOMMERCIAL TRANSACTIONSCONTRACT ENFORCEMENTCORPORATE FINANCECREDIT BUREAUCREDIT GAPCREDIT HISTORYCREDIT INFORMATIONCREDIT NEEDCREDIT-WORTHINESSCROP VALUECURRENCYDEBTDEBT OBLIGATIONDEPOSITDEPOSIT ACCOUNTSDEPOSITSDEVELOPING COUNTRIESDEVELOPMENT BANKDIVERSIFICATIONDOMESTIC BANKSECONOMIC ACTIVITIESECONOMIC DEVELOPMENTECONOMIC GROWTHENTREPRENEURSEXCHANGE RATEEXPORT GROWTHEXTERNAL SHOCKSFACILITATIONFACTORINGFAMILIESFARM MACHINERYFARMERSFINANCIAL ACCESSFINANCIAL CRISISFINANCIAL FLOWSFINANCIAL INFORMATIONFINANCIAL INSTITUTIONSFINANCIAL LEVERAGEFINANCIAL MANAGEMENTFINANCIAL MARKETFINANCIAL MEASURESFINANCIAL NEEDSFINANCIAL PRODUCTSFINANCIAL RELATIONSHIPFINANCIAL SECTOR ASSESSMENTFINANCIAL SECTOR DEVELOPMENTFINANCIAL SERVICEFINANCIAL SERVICE PROVIDERSFINANCIAL STATEMENTSFINANCIAL SUPPORTFINANCIAL SYSTEMFINANCIAL SYSTEMSFINANCIAL TRANSACTIONSFINANCING NEEDSFINANCING REQUIREMENTSFIXED ASSETSFOREIGN EXCHANGEFORM OF CREDITFORMAL FINANCIAL INSTITUTIONSGROSS DOMESTIC PRODUCTGROSS MARGINSGROUP LOANSINFORMATION SHARINGINSTITUTIONAL CAPACITYINSTITUTIONAL DEVELOPMENTINSURANCEINSURANCE COMPANIESINTEREST RATESINTERNATIONAL BANKINTERNATIONAL FINANCEINTERNATIONAL STANDARDSINVENTORYINVESTMENT CAPITALINVESTMENT CLIMATELACK OF ACCESSLACK OF COLLATERALLACK OF CREDITLACK OF FINANCELACK OF INFORMATIONLAND VALUELEGAL ENVIRONMENTLEGAL FRAMEWORKLENDERSLENDING INTEREST RATESLENDING PORTFOLIOLETTER OF CREDITLETTERS OF CREDITLEVEL OF ASSETSLEVEL PLAYING FIELDLIMITED ACCESSLIMITED ACCESS TO FINANCELINES OF CREDITLIQUIDITYLIQUIDITY MANAGEMENTLOANLOAN APPLICATIONLOAN APPRAISALLOAN APPROVALLOAN PRODUCTSLOAN REPAYMENTLOAN SIZELOAN SIZESLOAN SUPERVISIONLOCLOCAL GOVERNMENTMACROECONOMIC CONDITIONSMARKET FAILURESMERCHANTSMFIMFISMICRO ENTERPRISEMICRO ENTERPRISESMICRO-CREDITMICRO-ENTERPRISESMICRO-INSURANCEMICROFINANCEMICROFINANCE INSTITUTIONSMONEY LENDERMONEY MARKETSMONEY TRANSFERMONEY TRANSFERSMOVABLE COLLATERALNATURAL RESOURCESNON-PERFORMING LOANSOUTREACHPAYMENTS SERVICESPERSONAL LOANSPERSONAL PROPERTYPOLICY ENVIRONMENTPRODUCTIVITYPROFIT MARGINSPROFITABILITYPUBLIC INVESTMENTSPUBLIC-PRIVATE PARTNERSHIPSREAL SECTORREGULATORY SYSTEMREPOSRULE OF LAWRURAL CREDITSAVINGSSAVINGS ACCOUNTSSECONDARY MARKETSSELF-EMPLOYMENTSMALL ENTERPRISESMALL LOANSSMALLHOLDERSOURCE OF CREDITSOURCE OF INFORMATIONSPECIALIZED BANKSSTOCKSSUBSIDIARYSUPPLY OF FINANCINGTAXTAX BURDENTAX BURDENSTAX INCENTIVESTAXATIONTECHNICAL ASSISTANCETRADE CREDITTRADE FACILITATIONTRADINGTRANSPARENCYTRANSPORTTURNOVERUNIONURBAN AREASUSE OF COLLATERALVILLAGESWAREHOUSEWAREHOUSE RECEIPTWAREHOUSE RECEIPT SYSTEMWAREHOUSE RECEIPT SYSTEMSWORKING CAPITAL10.1596/17554