THE JOURNEY OF C.K.L.S FINANCE PLC.
Our Foundation (2014 – 2015)
The story of C.K.L.S Finance Plc. began with a humanitarian spirit. On November 03, 2014, the organization was founded as CHAMROEURN KHMER LIVING STANDARD ORGANIZATION (CKLSO). Originally registered with the Ministry of Interior as a local NGO (N 2257 សជណ), our primary goal was to provide financial lifelines to underserved communities. During these early years, we focused on understanding the grassroots needs of the Cambodian people, offering credit as a tool to lift families out of poverty and improve their daily living standards.
The Strategic Transition (2016)
Recognizing the growing need for more structured and scalable financial services, the organization took a significant step forward. On June 22, 2016, we successfully transformed and registered with the National Bank of Cambodia (NBC) as a formal Rural Credit Institution. Rebranding as C.K.L.S Finance Plc. (N ប្រ. ឥ ៣៣៣ ស.ជ.ណ), we shifted our focus toward professional microfinance operations while remaining deeply committed to our founding values of kindness and social equity.
Growth and Scaling (2017 – 2023)
Following our licensing, C.K.L.S Finance Plc. expanded its operations from local rural communities into urban sectors. We developed a robust portfolio of Micro, Small, and SME loans, designed to help entrepreneurs expand their businesses. Between 2022 and 2023, the institution experienced a rapid growth phase, with total assets crossing the 4 Billion KHR mark and Net Profit increasing in a single year, proving the effectiveness of our sustainable business model.
Institutional Maturity & Future Outlook (2024 – Present)
Today, C.K.L.S Finance Plc. has entered a phase of Institutional Maturity. In 2024, we reached a new milestone with Total Assets approaching 5 Billion KHR. Our current focus has evolved toward:
- Regulatory Excellence: Aligning strictly with NBC guidelines and international reporting standards.
- Risk Fortification: Implementing prudent risk management through active provisioning to ensure long-term safety.
- Community Partnership: Beyond credit, we now prioritize Financial Management Training, empowering our clients with the knowledge to build lasting financial independence.
Historical Milestone Timeline
| Year | Key Milestone |
| 2014 | Founded as CKLSO (NGO) under the Ministry of Interior. |
| 2016 | Licensed by the National Bank of Cambodia as a Rural Credit Institution. |
| 2022 | Reached a 3.3 Billion KHR loan portfolio. |
| 2023 | Achieved a record 24.4% Return on Equity (ROE). |
| 2024 | Reached peak Total Assets of 4.9 Billion KHR with an active risk-protection strategy. |