At C.K.L.S Finance Plc, excellence is our standard. We believe that recognizing hard work and maintaining high regulatory benchmarks are the keys to providing superior financial services to the Cambodian people.

Regulatory Compliance | អនុលោមភាពតាមច្បាប់

C.K.L.S Finance Plc operates with full transparency and is committed to the highest standards of corporate governance. We are officially registered and maintain active compliance with the following governing bodies in Cambodia:

I. Institutional Recognition (ការទទួលស្គាល់កម្រិតស្ថាប័ន)

1. National Bank of Cambodia (NBC) Compliance: Recognized for strict adherence to the latest AML/CFT (Anti-Money Laundering) regulations and maintaining a robust Solvency Ratio, ensuring the highest level of trust for our partners and clients.

2. Ministry of Commerce (MoC)

  • We adhere to the Law on Commercial Enterprises, ensuring our corporate structure—including our six equal shareholders (16.66% each)—is legally documented and transparent.

3. Ministry of Labour and Vocational Training (MoLVT)

We strictly follow the Cambodian Labour Law. We prioritize the welfare of our team through fair contracts, health and safety standards, and continuous professional development for our Loan Officers.

4. General Department of Taxation (GDT)

 C.K.L.S Finance Plc fulfills all national tax obligations with integrity. We ensure timely filing and payment of all corporate, salary, and withholding taxes to contribute to the nation’s growth.

5. Accounting and Auditing Regulator (ACAR)

Our financial records are maintained according to CIFRS for SMEs standards. We undergo regular audits to ensure our solvency ratios and financial health are accurately reported and professionally managed.

Our Governance Philosophy

“Compliance is not just a legal requirement at C.K.L.S Finance Plc; it is a core pillar of our professional identity. By aligning with the MoC, MoLVT, GDT, and ACAR, we provide our clients and shareholders with the security of a fully regulated and ethical financial partner.”

II. Staff Excellence Program (កម្មវិធីលើកទឹកចិត្តបុគ្គលិក)

We believe that a motivated team provides the best service. Our monthly recognition programs ensure that our staff remains the most professional in the industry.

  • Employee of the Month (បុគ្គលិកឆ្នើមប្រចាំខែ): Awarded to the staff member who achieves the highest scores in Customer Satisfaction and Policy Compliance.
  • Top Loan Recovery Officer: Recognized for maintaining a near-zero delinquency rate while helping clients manage their finances responsibly through digital tools.
  • Service Integrity Award: Given to team members who demonstrate exceptional honesty and transparency, as verified by our Customer Feedback Forms.

1. Our Commitment to Quality (ការប្តេជ្ញាចិត្តចំពោះគុណភាព)

“Recognition at C.K.L.S Finance Plc is not just about a trophy; it is a testament to our six share