As a microfinance institution, CREDIT provides loans to small startup entrepreneurs as well as capital investment loans to established business in Cambodia. CREDIT is also distinctive as the institution also provides a savings program.
- Loans - The majority of clients borrow in groups of 2 to 5 members. These group loans range up to 2 million riel or US$500. Repayment terms are as flexible as terms for individual loans, with the additional benefit that in most cases clients are not required to have physical collateral.
- Savings - CREDIT's clients currently have more than US$334,000 on deposit, including term deposits, current accounts and compulsory savings. Non-borrowers receive an annual interest of 3% on the Riel, while borrowers receive 7.2% annual interest without a service fee.
CREDIT is also involved in community outreach initiatives involving Recreation facilities and Scholarship programs.