The Cambodian financial market is developing rapidly and approaching the saturation stage. However, most commercial banks and MFIs are introducing both cash-flow and collateral-based lending. In general, they required real-estate property such as land and/or building to be served as collateral. According to the feedback from the market, some small and medium enterprises (SMEs) are not able to get loans from banks or MFIs due to collateral requirements.

The CWES is to assist viable SMEs owned by women that are impacted by the economic challenges during this period. With CWES, we hope to provide women SME entrepreneurs better access to financing at a reasonable cost.