Sign Up Sign Up

Login with Google Login with LinkedIn
or use

Captcha Click on image to update the captcha.

Have an account? Sign In Now

Sign In

Login with Google Login with LinkedIn
or use

Forgot Password?

Don't have account, Sign Up Here

Forgot Password Forgot Password

Lost your password? Please enter your email address. You will receive a link and will create a new password via email.

Have an account? Sign In Now

You must login to ask a question.

Login with Google Login with LinkedIn
or use

Forgot Password?

Need An Account, Sign Up Here

Please briefly explain why you feel this question should be reported.

Please briefly explain why you feel this answer should be reported.

Please briefly explain why you feel this user should be reported.

Angkor Times Logo Angkor Times Logo
Sign InSign Up

Angkor Times

Angkor Times Navigation

  • Money
  • Tech
  • Work
  • Travel
    • Phnom Penh
    • Advice for Travelers
    • Art & Culture
  • Advertise
Search
Ask A Question

Mobile menu

Close
Ask A Question
  • Money
  • Tech
  • Work
  • Travel
    • Phnom Penh
    • Advice for Travelers
    • Art & Culture
  • Advertise
  • Home
  • Business Guide
  • Living Guide
  • Tours Guide
  • Learn Khmer
  • Public Holidays
  • Emergency
  • Help
  • Recent Questions
  • Most Visited
  • 2
    Facebook

Angkor Times Latest Questions

Angkor Times
Angkor TimesExperienced
Asked: March 14, 2025

First Day in Cambodia! Warned NOT to Visit Phnom Penh?

I’m LIZA CHAIKA. I finally landed in Phnom Penh, Cambodia! Before coming here, I was warned by many people not to visit the city, hearing all sorts of stories about scams and dangers. But guess what? I feel completely safe ...Read more

I’m LIZA CHAIKA. I finally landed in Phnom Penh, Cambodia! Before coming here, I was warned by many people not to visit the city, hearing all sorts of stories about scams and dangers. But guess what? I feel completely safe here—nothing like what I was told.

My first adventure started with Khmer local food. I was excited to try authentic Cambodian dishes, and I wasn’t disappointed. The flavors were unique, rich, and delicious! Of course, I had heard about TukTuk scams, but things have changed. There’s Grab here, making it easy to book a TukTuk safely to go anywhere in the city.

I took a walk through Phnom Penh’s famous riverside, passing by Pub Street. The atmosphere was lively, filled with people enjoying food, drinks, and the nightlife. The city has developed a lot in recent years—much more than I expected based on what I had heard before coming.

As I wandered through the small streets of Phnom Penh, I saw old buildings and tiny houses. These areas gave me a real sense of local life, where people go about their daily routines, selling street food, chatting with neighbors, and living life at a relaxed pace. It felt authentic and welcoming.

Another great thing? The accommodation here is affordable—much cheaper than in Thailand. Whether you’re looking for a budget hostel or a comfortable hotel, Phnom Penh offers plenty of options that won’t break the bank.

One of the most convenient things about Cambodia is the currency. Everything is priced in both Cambodian Riel and US Dollars, making it super easy to exchange and use money. No complicated conversions—just simple transactions everywhere!

I also visited Central Market, a bustling place filled with fresh seafood, local food stalls, and souvenir shops. It’s a great spot to experience the energy of Phnom Penh and find unique gifts to bring home.

However, one small challenge I faced was food poisoning. It’s a common issue when traveling, so I’d advise anyone visiting Cambodia to always eat fresh and clean food. Stick to places that look busy, as they tend to serve fresher meals.

Overall, my first day in Phnom Penh has been an eye-opening experience. It’s nothing like the warnings I received. The city is vibrant, full of culture, and welcoming. I can’t wait to explore more!

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 13, 2025In: Tech, Work

Top 7 Marketing Trends You Need To Know in 2025

Marketing is evolving rapidly, and staying ahead of the latest trends is crucial for businesses looking to maintain a competitive edge. As we approach 2025, new technologies, consumer behaviors, and digital innovations are shaping the marketing landscape. In this article, ...Read more

Marketing is evolving rapidly, and staying ahead of the latest trends is crucial for businesses looking to maintain a competitive edge. As we approach 2025, new technologies, consumer behaviors, and digital innovations are shaping the marketing landscape. In this article, we’ll explore the top seven marketing trends that businesses need to embrace to succeed in the coming year.

Top 7 Marketing Trends You Need To Know in 2025
Top 7 Marketing Trends You Need To Know in 2025

1. AI-Powered Marketing Strategies

Artificial Intelligence (AI) is revolutionizing marketing by automating processes, personalizing content, and optimizing campaigns. AI-driven tools help businesses analyze consumer data, predict trends, and enhance customer experiences in real time. According to recent reports, 64% of marketers are increasing their investment in AI-powered marketing solutions.

Actionable Tip: Leverage AI for content generation, customer segmentation, and predictive analytics. Tools like ChatGPT, Jasper AI, and HubSpot AI can streamline marketing efforts and improve efficiency.

2. The Growth of Influencer and Creator Marketing

Influencer marketing is no longer limited to B2C brands. B2B businesses are now collaborating with industry experts and micro-influencers to build credibility and trust. LinkedIn reports that 61% of B2B marketers plan to increase their influencer marketing budgets in 2025.

Actionable Tip: Identify niche influencers in your industry and partner with them to create authentic, engaging content that resonates with your target audience.

3. Short-Form Video Content Will Dominate

Short-form videos continue to dominate digital platforms, with platforms like TikTok, YouTube Shorts, and Instagram Reels gaining massive popularity. Studies show that 55% of B2B marketers report the highest ROI from short-form video content, while 63% of buyers rely on video content for purchase decisions.

Actionable Tip: Create short, engaging videos showcasing product features, customer testimonials, and industry insights. Leverage platforms like LinkedIn Video and TikTok for Business to expand reach.

4. The Rise of Interactive and Immersive Experiences

With advancements in AR (Augmented Reality) and VR (Virtual Reality), brands are focusing on creating immersive marketing experiences. Interactive content, such as AR filters, 360-degree videos, and virtual showrooms, is becoming more common as customers seek engaging digital experiences.

Actionable Tip: Incorporate AR filters on social media platforms or create virtual product demos to give consumers a hands-on experience before purchasing.

5. Personalized and Data-Driven Marketing

Consumers expect hyper-personalized content tailored to their preferences. With advancements in AI and machine learning, businesses can now analyze customer data to deliver highly targeted marketing messages. A report by McKinsey states that personalized marketing can increase ROI by 20%.

Actionable Tip: Use CRM and AI-driven analytics to segment your audience and personalize email marketing, product recommendations, and social media ads.

6. The Shift Toward Sustainable and Ethical Marketing

Consumers are increasingly prioritizing brands that align with sustainability and ethical practices. Businesses must showcase their commitment to environmental and social responsibility through transparent marketing efforts.

Actionable Tip: Highlight sustainability initiatives, ethical sourcing, and corporate social responsibility in your marketing campaigns. Use eco-friendly packaging and carbon-neutral practices to appeal to conscious consumers.

7. The Evolution of SEO and Voice Search

SEO is evolving with AI-driven search engines and voice-activated assistants like Google Assistant and Alexa. More users are searching using voice commands, changing the way content needs to be optimized.

Actionable Tip: Optimize content for voice search by using conversational keywords and FAQ-style content. Ensure your website loads quickly and is mobile-friendly to rank higher on search engines.

Conclusion

The marketing landscape in 2025 will be defined by AI innovations, influencer collaborations, immersive experiences, and personalized content. By staying ahead of these trends, businesses can create impactful campaigns and build stronger connections with their audiences.

Are you ready to take your marketing strategy to the next level? Contact us today to explore customized solutions tailored to your business needs!

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 12, 2025

What Jobs Can Cambodian Workers Now Apply for in Singapore?

Understanding Singapore’s Occupations List: What It Means for Cambodian Workers! Singapore Expands Its Foreign Worker Pool Starting June 1, 2024, Cambodian workers will have new job opportunities in Singapore as the country expands its list of eligible foreign workers. This ...Read more

Understanding Singapore’s Occupations List: What It Means for Cambodian Workers!

Singapore Expands Its Foreign Worker Pool

Starting June 1, 2024, Cambodian workers will have new job opportunities in Singapore as the country expands its list of eligible foreign workers. This move, announced by Singapore’s Minister for Human Resources, Tan See Leng, aims to strengthen the nation’s workforce by allowing employers to recruit workers from three additional countries: Cambodia, Bhutan, and Laos.

What Jobs Can Cambodian Workers Now Apply for in Singapore?
What Jobs Can Cambodian Workers Now Apply for in Singapore?

For Cambodian workers, this is a significant development that opens doors to stable employment, better wages, and career growth in one of Southeast Asia’s most advanced economies. But what exactly is included in Singapore’s occupations list, and what does this change mean for Cambodian workers?

What Is Singapore’s Occupations List?

Singapore regulates foreign labor through specific policies, ensuring that foreign workers can contribute to industries where there is a demand for labor. The Non-Traditional Sources (NTS) list plays a crucial role in this system, allowing workers from certain countries to apply for jobs in designated industries.

Industries Open to Foreign Workers on the NTS List:

  1. Construction – Includes jobs such as general construction workers, crane operators, and scaffolders.
  2. Marine Shipyards – Covers shipbuilding, welding, and other maritime-related roles.
  3. Manufacturing – Provides opportunities in electronics, food processing, and machinery operations.
  4. Service Sector – Limited but includes roles in sanitation, cleaning, and housekeeping.

Previously, only workers from Bangladesh, India, Myanmar, the Philippines, Sri Lanka, and Thailand were eligible under the NTS list. However, starting June 1, Cambodians will be included as well.

New Occupations to Be Added in 2025

Singapore’s government has also announced further expansions to the occupations list. Effective September 1, 2025, three additional job roles will be included:

  • Heavy Vehicle Drivers – For industries such as logistics, construction, and waste management.
  • Production Operators – Factory-based roles in manufacturing plants.
  • Cooks – Particularly in the food and beverage (F&B) industry.

This expansion indicates a growing need for skilled and semi-skilled workers in Singapore’s economy and presents a great opportunity for Cambodian job seekers.

What This Means for Cambodian Workers

The inclusion of Cambodia in Singapore’s NTS list offers several benefits and potential challenges for workers seeking employment abroad.

1. Increased Job Opportunities

Many Cambodian workers previously had limited access to Singapore’s job market. With this new policy, more Cambodians can now legally work in industries like construction, manufacturing, and shipyards, providing them with new career pathways and financial stability.

2. Higher Wages and Better Benefits

Singapore offers significantly higher wages compared to Cambodia. A construction worker in Singapore, for instance, can earn an average salary of SGD 1,500–3,000 per month (approximately USD 1,100–2,200), compared to lower wages in Cambodia.

Additionally, benefits such as housing allowances, healthcare, and overtime pay are often included, making employment in Singapore attractive for Cambodian workers.

3. Extended Stay Duration

Starting July 2024, Singapore will remove the 14-26 year stay limit based on sector, skill level, and nationality. This change means foreign workers, including Cambodians, can remain in Singapore for longer, leading to better job stability and career advancement.

4. Increased Maximum Age Limit

Previously, foreign workers in Singapore had to retire at 60. However, the new regulations will raise the retirement age to 63, while new applicants can apply up to age 61. This allows more experienced workers to enter and remain in the workforce for a longer period.

5. Potential Challenges for Cambodian Workers

Despite these benefits, Cambodian workers may face certain challenges, including:

  • Language Barriers – Most Singaporean workplaces use English, Mandarin, or Tamil as primary languages. Cambodians may need to improve their language skills to communicate effectively.
  • Job Competition – Cambodian workers will compete with other foreign nationals, particularly from countries with a long history of working in Singapore, such as Bangladesh and the Philippines.
  • Cost of Living – While wages in Singapore are high, so is the cost of living. Workers must manage their finances wisely to save money and send remittances home.

Steps for Cambodian Workers to Apply

For Cambodians interested in working in Singapore, here’s how to get started:

  1. Check Eligibility – Ensure you meet the basic requirements such as age, skills, and health status.
  2. Apply Through Licensed Recruitment Agencies – Only authorized agencies can facilitate work permit applications.
  3. Secure a Job Offer – Employers in Singapore must submit work permit applications on behalf of foreign workers.
  4. Undergo Training – Some industries may require pre-departure training to ensure workers meet job standards.
  5. Obtain a Work Permit – The Singapore Ministry of Manpower (MOM) will issue a work permit upon approval.
  6. Prepare for Departure – This includes visa processing, medical check-ups, and travel arrangements.

Conclusion

The inclusion of Cambodia in Singapore’s NTS occupations list marks a significant milestone for Cambodian workers seeking better employment opportunities abroad. With more job openings, higher wages, and extended stay periods, Singapore presents a promising destination for skilled and semi-skilled Cambodian workers.

However, preparation is key. Prospective workers should focus on enhancing their skills, understanding job requirements, and working with licensed recruitment agencies to ensure a smooth transition.

As Singapore continues to expand its foreign workforce policies, Cambodian workers now have a valuable opportunity to build a brighter future in one of Asia’s leading economies.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 11, 2025

What is Amnan Tourism?

What is Mobile Library and Why is it Established? Mobile Library, an innovative and enriching concept, aims to promote the joys and benefits of reading in public spaces while integrating the cultural elements of the regions it touches. It goes ...Read more

What is Mobile Library and Why is it Established?

Mobile Library, an innovative and enriching concept, aims to promote the joys and benefits of reading in public spaces while integrating the cultural elements of the regions it touches. It goes beyond conventional tourism by providing a unique opportunity for individuals and families to explore literature in a communal setting. The initiative is especially relevant in countries like Cambodia, where literature and reading habits have experienced decline in recent years.

Ouk VanDay
Mr. Ouk Vanday, Founder of Sala Doung

In Cambodia, the Amnan Tourism campaign, founded by Mr. Ouk Vanday of Sala Doung, embodies this vision. The word “Amnan,” which translates to “reading,” reflects the campaign’s core mission—encouraging reading as a public practice. This initiative features a mobile library containing around 1,400 books, ranging from history and religion to children’s literature and environmental awareness. Mr. Vanday, a passionate advocate for reading, has dedicated six years to teaching children about the joy of books in his community on Mount Kirirom. His commitment to foster a reading culture is evident as he takes the mobile library throughout Cambodia, hoping to cultivate a love for books among the youth and the general public.

The mobile library, parked near significant public places such as Botum Park in Phnom Penh, is housed in a vibrant, refurbished 1972 car. This eye-catching orange vehicle symbolizes the warmth and vitality of reading, designed to attract attention and encourage passersby to engage with its contents. By setting up in locations with high foot traffic, Mr. Vanday ensures that reading can become a social activity. Through gestures like inviting the community to freely read for extended hours, the campaign promotes accessibility, inclusivity, and the idea that reading should be enjoyed without hesitation or embarrassment.

As Amnan Tourism travels to provinces like Kampot and Kep, aiming to further energize the community’s reading habits, it sets the stage for a cultural shift. Scheduled to operate in these areas for several days, the initiative invites locals to sit quietly, discover new books, and shape a more literate society. Mr. Vanday’s hope for Amnan Tourism is clear: he aspires to inspire everyone—regardless of age or background—to prioritize reading and integrate it into their daily lives, both in private and in public spaces.

Students in Prey Veng Province – Reading Books

Ultimately, Amnan Tourism represents a promising step towards revitalizing reading culture in Cambodia. With plans for future expansion, should the trial run prove successful, more provinces stand to benefit from this movement designed to awaken minds and cultivate a lifelong love for reading. By blending the concept of tourism with the advocacy of literature, Reading Tourism is poised to transform how Cambodians interact with books and each other.

Samdech Hun Manet Advocates for the Establishment of Reading Spots in Parks and Towns

Prime Minister Samdech Hun Manet has praised the “Mobile Library” initiative led by Mr. Ouk Vanday, which inspires a love for reading in public spaces. He encouraged provinces and municipalities to adopt this model by creating designated reading corners or areas in parks and towns across the country.

During the graduation ceremony for students of the Vanda Institute on March 11, Samdech Hun Manet stated, “It is not necessary for Ouk Vanday to arrive for it to become quiet. We can create our own spaces for reading. There is no shortage of books. I believe it is not difficult to gather 1,000 books for weekend reading or the same in Phnom Penh. If needed, a walking street should be established somewhere for a reading corner. All it requires is placing some chairs and books in that area.”

At the same ceremony, Samdech Hun Manet acknowledged the positive trend of reading in Cambodian society, noting that previous book fairs have seen significant public participation. He also urged parents to encourage their children to read more and spend less time on their mobile phones.

Samdech Hun Manet’s call to establish reading areas in public spaces coincides with Cambodia’s celebration of the 10th anniversary of National Reading Day on March 11. This year’s National Reading Day is celebrated under the theme “Reading Connects People Across Generations in Society,” aimed at promoting the importance of reading and writing.

On his Facebook page, Samdech Hun Manet further emphasized that a society that supports both writers and readers will foster knowledge essential for sustainable human resource development.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 11, 2025In: Money, Work

Why Does Cambodia Have the Highest Labour Force Participation in ASEAN? A Study Reveals!

The Current Labour Force in Cambodia Among ASEAN! Cambodia has emerged as the ASEAN leader in Labour Force Participation Rate (LFPR), according to a recent report by the ASEAN Secretariat. This key economic indicator, which measures the proportion of a country’s ...Read more

The Current Labour Force in Cambodia Among ASEAN!

Cambodia has emerged as the ASEAN leader in Labour Force Participation Rate (LFPR), according to a recent report by the ASEAN Secretariat. This key economic indicator, which measures the proportion of a country’s working-age population actively engaged in the labour market, underscores Cambodia’s strong workforce participation relative to its regional peers.

Cambodia workforce participation
A graphical representation shows LPFR (both male and female) across Asean member states for the years 2014, 2018 and 2023. At 83.7 percent, Cambodia recorded the highest Labour Force Participation Rate (LFRP) among the Asean nations. Aseanstats database

Cambodia Leads in Labour Force Participation

The latest data highlights Cambodia’s consistent performance in workforce participation, with an LFPR of 82.6% in 2014, rising to 83.7% in 2022. This surpasses other ASEAN nations, including Thailand and Vietnam, which reported high participation rates in 2014—70.3% and 77.5%, respectively—but saw notable declines by 2023 to 68.6% and 68.9%.

Other ASEAN nations have experienced mixed trends. While Indonesia and Malaysia improved their LFPR from 66.6% (2014) to 69.5% (2023) and 67.6% (2014) to 70% (2023), respectively, countries such as Brunei and Myanmar recorded declines. Brunei’s LFPR fell from 65.6% in 2014 to 63.6% in 2023, while Myanmar saw a sharper drop from 67% to 60.7% over the same period. The Philippines, after a decline in 2018, managed a recovery to 64.8% in 2023. Singapore and Laos showed gradual improvements, with Singapore rising from 67% in 2014 to 68.6% in 2023, while Laos, despite having the lowest participation rate, reached 47.1% in 2022.

Gender Disparities in Labour Participation

The 2023 report also highlighted significant gender disparities in labour force participation across ASEAN. Myanmar recorded the largest gender gap, with 77.1% of men participating in the labour force compared to only 47% of women. Indonesia exhibited a similar trend, with male participation at 84.3% and female participation at just 54.5%.

Cambodia, however, reported one of the narrowest gender gaps, with male LFPR at 88.7% and female LFPR at 78.9%, reflecting a difference of only 9.8 percentage points. This places Cambodia among the top ASEAN nations in female workforce participation, alongside Vietnam (62.9%) and Singapore (62.6%). Conversely, Laos had the lowest male and female participation rates, at 52.6% and 41.9%, respectively.

Challenges and Opportunities for Cambodia’s Labour Market

Despite its high LFPR, Cambodia faces challenges in labour productivity. The Asian Development Bank (ADB), in its latest ‘Country Diagnostic Study’ (CDS), emphasized the need for strategic human capital investments to sustain economic growth and achieve upper-middle-income status by 2030. While Cambodia has made considerable progress in labour development, its productivity levels remain below other Southeast Asian manufacturing hubs.

To sustain its leadership in workforce participation and boost economic competitiveness, Cambodia must focus on enhancing skills development, improving education and vocational training, and fostering an environment conducive to higher wages and job security. Strengthening labour policies and attracting foreign investment in high-value industries will also be crucial in maintaining the Kingdom’s economic momentum.

Conclusion

Cambodia’s high Labour Force Participation Rate positions it as a regional leader in workforce engagement. However, to translate this strong participation into sustainable economic growth, the country must address labour productivity challenges through improved education, skills training, and economic diversification. As ASEAN economies continue to evolve, Cambodia has the opportunity to leverage its dynamic workforce to drive long-term prosperity.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 10, 2025In: Money

What’re the Key Cambodia’s Foreign Policies? Here’re What You Need to Know

Key Priorities of Cambodia’s Foreign Policy: A Strategic Vision for National and Global Engagement. Cambodia’s foreign policy has taken center stage as Prime Minister Dr. Hun Manet outlined six key priorities at the closing ceremony of the Ministry of Foreign Affairs ...Read more

Key Priorities of Cambodia’s Foreign Policy: A Strategic Vision for National and Global Engagement.

Cambodia’s foreign policy has taken center stage as Prime Minister Dr. Hun Manet outlined six key priorities at the closing ceremony of the Ministry of Foreign Affairs and International Cooperation (MFAIC)’s Annual Review Conference. These priorities reflect Cambodia’s commitment to strengthening bilateral and multilateral relationships while advancing national interests through diplomacy, economic engagement, and regional cooperation.

Prime Minister Dr. Hun Manet

1. Deepening Bilateral Ties and Expanding Cordial Relations

One of the foremost priorities of Cambodia’s foreign policy is to strengthen its existing bilateral ties while fostering new relationships based on mutual trust, understanding, and win-win partnerships. This commitment extends across political-security, economic, and socio-cultural dimensions, ensuring that Cambodia maintains strong diplomatic bonds with countries worldwide.

A critical aspect of this initiative is Cambodia’s emphasis on building a “border of peace, friendship, and cooperation” with its immediate neighbors, particularly Thailand, Vietnam, and Laos. By fostering cross-border cooperation, Cambodia aims to reduce tensions, enhance trade, and promote cultural exchanges that benefit all parties involved.

2. Advancing Multilateralism for Global Stability

Cambodia is actively reinforcing its role in global governance through multilateral engagement. The country continues to support United Nations peacekeeping operations and contribute to international peace, stability, and sustainable development.

Participation in global forums such as the United Nations, the World Trade Organization (WTO), and the International Monetary Fund (IMF) allows Cambodia to engage in policy-making discussions that shape the international landscape. Additionally, Cambodia has been proactive in addressing transnational challenges such as climate change, cybersecurity threats, and pandemic preparedness through regional and global collaboration.

3. Strengthening ASEAN’s Centrality and Regional Integration

As a member of the Association of Southeast Asian Nations (ASEAN), Cambodia plays a pivotal role in promoting regional stability and economic integration. The government is committed to strengthening ASEAN unity and its centrality in regional affairs, contributing to conflict resolution efforts and fostering economic cooperation among member states.

With the upcoming ASEAN Community Vision 2045, Cambodia is working toward a shared regional future that prioritizes prosperity, sustainability, and security. By promoting the ASEAN Free Trade Area (AFTA) and other economic agreements, Cambodia seeks to enhance regional trade and attract greater foreign direct investment (FDI).

4. Promoting Economic and Cultural Diplomacy

Economic and cultural diplomacy is a key pillar of Cambodia’s foreign policy, aimed at positioning the country as an attractive destination for trade, tourism, and investment. Cambodia is leveraging its rich cultural heritage to boost economic growth and enhance its global standing.

Key strategies include:

  • Expanding trade relations through free trade agreements (FTAs) with key partners such as China, South Korea, and the European Union.
  • Attracting foreign investment in critical sectors such as infrastructure, manufacturing, and technology.
  • Promoting tourism by showcasing Cambodia’s historical landmarks, culinary traditions, and cultural festivals.

The recent launch of “The Taste of Angkor II,” a book on Cambodian cuisine, highlights the government’s initiative to use cultural diplomacy as a soft power tool to strengthen international relations and attract more visitors.

5. Strengthening Public Diplomacy and Combating Misinformation

In an era of digital information, Cambodia is focusing on public diplomacy to protect its national image and counter misinformation. The government is actively engaging in global media outreach, social media campaigns, and diplomatic dialogues to project an accurate representation of Cambodia’s political, economic, and social landscape.

Public diplomacy also includes efforts to enhance people-to-people connections, student exchanges, and cultural collaborations with other countries. This approach not only improves Cambodia’s international standing but also fosters deeper mutual understanding among nations.

6. Enhancing Cambodia’s Diplomatic Strength and Institutional Reforms

A strong and efficient diplomatic service is essential for executing foreign policy successfully. The Cambodian government is implementing institutional reforms to modernize its foreign service, enhance professionalism, and improve operational efficiency.

Key initiatives include:

  • Strengthening training programs for diplomats to improve their negotiation and communication skills.
  • Upgrading technological infrastructure to support diplomatic missions worldwide.
  • Increasing the presence of Cambodian embassies and consulates in strategic global locations to facilitate better international engagement.

Commitment to Independent Foreign Policy and Sovereignty

At the core of Cambodia’s foreign policy is the principle of permanent neutrality and non-alignment. Dr. Hun Manet reaffirmed that Cambodia will maintain an independent foreign policy guided by the principles of international law, the United Nations Charter, and the Cambodian Constitution. This policy ensures that Cambodia remains sovereign in its decision-making processes, free from external influence, while protecting its territorial integrity and national interests.

The government also prioritizes socio-economic progress as an integral part of its foreign policy. By strengthening economic resilience and strategic partnerships, Cambodia aims to safeguard its independence while achieving long-term prosperity.

Conclusion: A Forward-Thinking Foreign Policy for Cambodia

The six key priorities outlined by Prime Minister Hun Manet underscore Cambodia’s proactive approach to international relations. By deepening bilateral ties, reinforcing multilateralism, strengthening ASEAN centrality, promoting economic and cultural diplomacy, enhancing public diplomacy, and reforming its foreign service, Cambodia is strategically positioning itself for a more influential role on the global stage.

As Cambodia navigates the evolving geopolitical landscape, its foreign policy remains firmly anchored in the principles of sovereignty, peace, and national development. With continued commitment to these priorities, Cambodia is set to strengthen its diplomatic footprint and contribute meaningfully to regional and global prosperity.

What are your thoughts on Cambodia’s foreign policy priorities? Share your opinions in the comments below!

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 10, 2025

Can I Use Bakong QR Code Payment in China?

In recent years, digital payments have rapidly gained popularity around the world, offering a seamless and efficient way to conduct transactions. Among these innovations is Cambodia’s Bakong QR code payment system, a project launched by the National Bank of Cambodia ...Read more

In recent years, digital payments have rapidly gained popularity around the world, offering a seamless and efficient way to conduct transactions. Among these innovations is Cambodia’s Bakong QR code payment system, a project launched by the National Bank of Cambodia (NBC) to create a more modern and accessible payment ecosystem. With the increasing global reliance on digital transactions, many are now wondering whether they can use the Bakong QR code payment system while traveling abroad, particularly in China.

The short answer is yes—thanks to an exciting new development, Cambodians can now use the Bakong QR code payment system in China, making it easier than ever for citizens and tourists to make payments while abroad. This is possible through the partnership between Cambodia’s National Bank and UnionPay International (UPI), which has resulted in the second phase of cross-border QR Code payment transactions.

Bakong QR Code Payment in China
Bakong QR Code Payment in China

Serey announced this during the official launch of ‘Phase 2: Bakong Outward Cross-Border Payment’ in the presence of Ho Wai Man, General Manager of the Bank of China Credit Card (International) Ltd and Larry Wang, CEO and Deputy Chairman of the UnionPay International (UPI) in Phnom Penh, on March 10.

The launch of ‘Phase 2: Bakong Outward Cross-Border Payment’ in collaboration with the UPI follows the successful introduction of the ‘Phase 1: Inward Cross-Border Payment’ launched in December 2023.

“Today’s event marks a significant milestone in our partnership and underscores our commitment to innovating and digitalising financial services, driving sustainable and inclusive growth,” Serey said.

The Launch of Cross-Border QR Code Payments

On a momentous occasion, the National Bank of Cambodia and UnionPay International officially launched the second phase of cross-border QR Code payment transactions. This new phase of development has opened up a host of possibilities for Cambodians traveling or doing business in China and beyond. The second phase of the project was officially launched with a ceremony presided over by Her Excellency Dr. Chea Serey, the Governor of the National Bank of Cambodia, alongside key figures such as Mr. Larry Wang, CEO and Vice Chairman of the Board of Directors of UPI, and Mr. Ho Wai Man, General Manager of Bank of China Credit Card (International) Ltd.

Serey emphasised that with the Bakong App users – later some of the banks will join the initiative – will be able to scan the WeChat QR code in China.

The launch ceremony was not just a symbolic gesture—it marked the beginning of a more connected and digital financial world. With this initiative, the integration of Cambodia’s QR Code payment system with UnionPay’s payment network and WeChat Pay enables Cambodians to make cross-border payments via QR code scanning. This development is a game changer, providing greater convenience for both individuals and businesses by facilitating easy and fast transactions between Cambodia and China.

How the System Works

The system works by connecting the National Bank of Cambodia’s Bakong payment card system with UnionPay’s international payment network. UnionPay is one of the largest and most widely recognized payment networks in China and many other countries. With this connection in place, Cambodians can now make payments in China by simply scanning a QR code through UnionPay’s payment card scanner.

Also read: Can I Use Bakong QR Code Payment in Japan?

Serey continued, “Regarding remittances through the UPI payment platform, we [NBC] are excited about this development, as there are many Chinese workers in Cambodia and Cambodians working in China. This will help them make safe and secure remittances to their families.”

This development is particularly noteworthy because UnionPay, which is widely accepted in China and various other regions, will now allow the integration of Cambodia’s local payment system with a global one. This is a significant step in bringing Cambodia’s financial infrastructure into alignment with international standards, enhancing both the convenience and efficiency of cross-border payments.

Benefits for Cambodians in China

For Cambodians traveling to China, this new payment system offers numerous advantages. First and foremost, it eliminates the need for travelers to carry large amounts of foreign currency, which can be inconvenient and risky. By using the Bakong QR code payment system, users can make purchases at a wide range of businesses across China, just like they would with local Chinese payment methods such as Alipay or WeChat Pay.

Serey said, “This initiative offers opportunities to maximise trade and streamline cross-border payments and remittances. This, in turn, supports the local economy, promotes the use of the Riel currency.”

This new system is especially helpful for tourists, who often face challenges when trying to make payments in foreign countries. In the past, relying on international credit cards or cash could be costly due to exchange rates and transaction fees. However, with Bakong, Cambodian tourists can now make payments in Chinese Yuan (CNY) at a reasonable cost, as the transactions are conducted through a seamless digital platform that bridges the gap between Cambodia’s and China’s financial systems.

Also read: What is the Digital Community of Cambodia? Why You Need to Join?

Moreover, this initiative provides Cambodians with the ability to make cross-border transactions more smoothly. This can be especially valuable for those involved in business or trade, as it reduces the reliance on traditional banking systems and facilitates faster, more cost-effective payments.

Expanding Trade and Tourism

The Bakong QR Code payment system’s expansion into China is not just a win for individual consumers but also a significant step forward in strengthening the economic ties between Cambodia and China. By allowing for easier payment transactions between the two countries, this system can help foster greater trade and tourism. Cambodian businesses looking to expand into the Chinese market can now accept payments more easily, helping them tap into a massive consumer base.

At the same time, the introduction of this payment system provides a boost to tourism, allowing Chinese tourists visiting Cambodia to make payments through the same system. As Cambodia’s tourism industry continues to grow, providing a seamless payment experience for foreign visitors is essential for attracting more tourists and increasing overall tourism revenue.

By facilitating smooth cross-border payments, the initiative also promotes investment opportunities. Investors and businesses engaged in cross-border trade will find this system particularly beneficial, as it simplifies the process of making payments and transferring funds across borders. This development is expected to drive more economic activity between the two countries, contributing to sustainable economic growth and development in both nations.

Strengthening Cambodia’s Financial Landscape

The implementation of Bakong and its integration with UnionPay International represents a significant milestone in Cambodia’s journey towards modernizing its financial system. As one of the first ASEAN nations to introduce a national QR code payment system, Cambodia is positioning itself as a leader in financial innovation in the region. This development is not just about improving payment systems—it’s about creating an inclusive financial environment that benefits both local citizens and international businesses.

Also read: How Many Financial Institutions Operate the Bakong System in Cambodia?

Through this cross-border QR code payment initiative, Cambodia is not only improving the convenience and accessibility of payments for its own citizens but also encouraging the use of digital financial tools that support sustainable economic growth. This is in line with the broader goal of the National Bank of Cambodia to enhance financial inclusion, promote digital financial services, and ensure that the country remains competitive on the global stage.

Looking to the Future

The second phase of the Bakong QR Code payment system is just the beginning. As more countries and regions adopt digital payment systems, the opportunities for Cambodians to use the Bakong system abroad will continue to grow. With ongoing support from financial institutions like UnionPay and innovations in digital payments, Cambodia’s QR code system could soon be integrated into additional international networks, making it even easier for Cambodians to conduct transactions worldwide.

This development signals a bright future for Cambodia’s financial sector and highlights the growing importance of digital payment systems in an increasingly interconnected world. Whether you’re a Cambodian citizen traveling to China for business or leisure, or a Chinese tourist visiting Cambodia, the ability to use the Bakong QR code payment system will undoubtedly make your financial transactions easier and more convenient. As the system evolves and expands, it will continue to shape the future of cross-border payments and financial inclusion in Cambodia and beyond.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 10, 2025In: Money

Why Are Small Malls in Phnom Penh Shutting Down?

Oversupply Forces Small Malls to Close in Phnom Penh! Phnom Penh’s retail landscape is undergoing a significant transformation as an increasing number of mid-sized malls are closing down. The primary reasons behind these closures are an oversupply of retail spaces, poor ...Read more

Oversupply Forces Small Malls to Close in Phnom Penh!

Phnom Penh’s retail landscape is undergoing a significant transformation as an increasing number of mid-sized malls are closing down. The primary reasons behind these closures are an oversupply of retail spaces, poor structural and commercial designs, and shifting consumer behavior. While large-scale malls with modern facilities continue to attract foot traffic, smaller and less strategically planned malls are struggling to survive.

Small Malls in Phnom Penh Shutting Down
Small Malls in Phnom Penh Shutting Down

The Impact of Oversupply on Small Malls

Over the past decade, Phnom Penh has experienced a retail construction boom. Developers have rushed to build malls to cater to the city’s growing urban population and rising middle class. However, this rapid expansion has led to an oversupply of retail spaces, making it difficult for all malls to sustain a steady flow of customers. As a result, many smaller malls, unable to compete with larger and better-equipped shopping centers, have been forced to shut down.

Propnex Cambodia CEO An Sothida highlighted that oversupply and location are two major challenges for Cambodia’s retail sector. “Some locations are not suitable for building malls because they lack parking and public spaces for parking and recreation,” she explained. The struggle to attract customers has led developers to continuously revamp their malls every five years, aiming to create fresh and engaging experiences for shoppers.

Design and Infrastructure Challenges

Apart from oversupply, design and infrastructure flaws have played a significant role in the failure of smaller malls. Many of these shopping centers lack fundamental facilities such as ample parking, public restrooms, and recreational spaces. Additionally, poor pedestrian planning has made access inconvenient for shoppers, reducing foot traffic even further. Without these essential elements, malls fail to provide a comfortable and enjoyable shopping experience, which is crucial in today’s competitive retail market.

The absence of sufficient parking spaces is a critical issue. Phnom Penh’s traffic congestion is already a challenge, and consumers prefer malls where they can easily park their vehicles. Many smaller malls fail in this aspect, driving customers to larger shopping complexes that offer convenience and accessibility.

Changing Consumer Behavior and Declining Purchasing Power

Another key factor contributing to mall closures is the shift in consumer behavior. With the rise of e-commerce, more people are opting to shop online rather than visit physical stores. Additionally, economic uncertainties and declining purchasing power mean that consumers are becoming more selective about where and how they spend their money. Malls that do not offer unique experiences or high-value products struggle to attract customers in such an environment.

The impact of COVID-19 also accelerated changes in consumer preferences. Many shoppers have developed new habits, including online shopping and home delivery services, reducing the need for frequent mall visits. Malls that failed to adapt to these new trends have faced difficulties in maintaining foot traffic.

The Need for a New Retail Strategy

A veteran real estate agent suggested that developers should rethink their strategies and focus on specialized retail concepts. “When a market has its own uniqueness, customers will go to that market where they can find what they want,” he said. “Having a wide range of products in one market is not necessarily a good thing,” he added. Instead of building generic malls, developers could create niche retail spaces that focus on specific products, such as clothing, electronics, or beauty products. This approach has proven successful in other countries, where specialty malls attract dedicated customer bases.

Another strategy for survival is integrating more entertainment and lifestyle elements into malls. Today’s consumers are not just looking for a place to shop; they want an experience. Malls that offer cinemas, food courts, gaming zones, and co-working spaces are more likely to thrive in a highly competitive market.

The Future of Phnom Penh’s Retail Sector

Despite the closures of some small malls, the overall retail industry in Phnom Penh continues to evolve. Large-scale malls with strong branding, comprehensive facilities, and strategic locations are still drawing significant customer traffic. Meanwhile, developers are beginning to recognize the need for innovation in retail spaces to meet changing consumer demands.

To ensure long-term success, mall developers must focus on proper planning, consumer preferences, and market demand. Building malls without thorough market research can lead to financial losses and eventual closures. Instead, a well-thought-out approach that considers location, infrastructure, and specialization will be key to sustainability in the retail sector.

In conclusion, the closure of small malls in Phnom Penh is a reflection of oversupply, poor design choices, and shifting consumer behavior. To survive in this changing landscape, developers need to embrace new retail concepts, improve infrastructure, and focus on delivering unique shopping experiences. The future of retail in Phnom Penh will depend on adaptability, strategic planning, and the ability to cater to the evolving needs of consumers.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 10, 2025In: Money, Tech

What is The Current State of Cambodia’s Microfinance Sector in 2025?

The Current State of Cambodia’s Microfinance Sector in 2025! As of early 2025, Cambodia’s microfinance sector is undergoing significant reforms to promote responsible lending and enhance consumer protection. The sector, which has played a crucial role in financial inclusion and ...Read more

The Current State of Cambodia’s Microfinance Sector in 2025!

As of early 2025, Cambodia’s microfinance sector is undergoing significant reforms to promote responsible lending and enhance consumer protection. The sector, which has played a crucial role in financial inclusion and poverty reduction, faces challenges such as over-indebtedness and the need for stricter regulatory oversight. In response, the National Bank of Cambodia (NBC) and the United Nations (UN) have taken proactive steps to address these concerns.

Ongoing Reforms and Key Developments

In November 2023, the NBC and the UN launched a multi-stakeholder consultation process to review the rapid expansion of the microfinance sector. This initiative was primarily focused on addressing the growing concerns of excessive debt burdens among borrowers and ensuring that financial institutions adopt responsible lending practices. The consultation process resulted in a structured roadmap for reform, emphasizing sustainability and financial inclusion.

By January 2025, a second high-level dialogue was convened to assess the progress of these reforms. Among the 22 priority actions identified, four have been fully implemented, fifteen are in progress, and three are in the initial stages. These efforts aim to create a more stable and consumer-friendly financial environment. Some of the primary areas of focus include:

  • Regulation and Supervision: Strengthening the supervisory framework to ensure that microfinance institutions (MFIs) comply with responsible lending practices. Stricter guidelines have been introduced to monitor loan disbursement and prevent predatory lending.
  • Borrower Assistance: Implementing measures to educate borrowers on financial products and improve their ability to manage debt responsibly. Financial literacy programs are being expanded to rural areas where access to financial education has traditionally been limited.
  • Technological Advancements: Encouraging the adoption of digital financial services to enhance efficiency and accessibility. Mobile banking and fintech solutions are being leveraged to extend financial services to underserved populations.
  • Informal Lending Regulation: Addressing the risks associated with informal lending practices by strengthening the role of local authorities in financial management. Many borrowers have been vulnerable to unregulated lenders, leading to higher debt risks.
  • Agricultural Risk Insurance: Exploring insurance solutions tailored for communities dependent on agriculture. Given the impact of climate change on farming, there is an increasing need for financial products that safeguard rural livelihoods against unpredictable losses.

Strengthening Financial Inclusion

Beyond regulatory improvements, partnerships within the sector are playing a vital role in ensuring sustainable financial inclusion. The Cambodia Microfinance Association (CMA) and the Cambodia Credit Guarantee Corporation (CGCC) have signed a Memorandum of Understanding (MoU) to bolster support for micro, small, and medium enterprises (MSMEs). This collaboration aims to:

  • Enhance capacity-building programs for small business owners.
  • Expand access to digital financial services, making transactions more convenient and transparent.
  • Strengthen financial literacy initiatives, ensuring that business owners and individuals make informed financial decisions.

The Road Ahead

Despite the challenges, Cambodia’s microfinance sector remains an essential pillar of the country’s financial ecosystem. The ongoing reforms reflect a commitment to balancing financial growth with consumer protection. By fostering a more responsible and inclusive financial environment, Cambodia aims to ensure that microfinance continues to contribute positively to economic development while safeguarding the interests of borrowers.

As regulatory measures take effect and financial institutions align with responsible lending practices, the sector is expected to become more resilient and sustainable. These efforts will not only protect borrowers from excessive debt but also empower them to use financial services as a tool for economic advancement. The success of these reforms will depend on continued collaboration between regulators, financial institutions, and development partners, ensuring that Cambodia’s microfinance sector remains a force for positive economic change.

Conclusion

Cambodia’s microfinance sector is at a crucial turning point in 2025. While the industry has been instrumental in providing financial access to underserved communities, the challenges of over-indebtedness and regulatory gaps have necessitated bold reforms. The initiatives led by the NBC, UN, CMA, and CGCC highlight a collective effort to reshape the sector into a more responsible and consumer-friendly system.

Looking forward, the effectiveness of these reforms will be determined by how well they are implemented and embraced by all stakeholders. Strengthening financial literacy, leveraging technology, and improving supervision will be key to ensuring a robust and sustainable microfinance ecosystem. If these measures succeed, Cambodia will not only protect its borrowers but also establish a stronger foundation for economic growth and financial inclusion in the years to come.

Ultimately, the transformation of Cambodia’s microfinance sector is about striking a balance—ensuring that financial institutions can continue to grow while prioritizing the well-being of the people they serve. With ongoing reforms and collaborative efforts, the sector is on a path to becoming more transparent, ethical, and beneficial for all involved.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
Angkor Times
Angkor TimesExperienced
Asked: March 10, 2025In: Money, Tech

How Many Financial Institutions Operate the Bakong System in Cambodia?

Cambodia has rapidly embraced digital transformation, particularly in its financial sector. One of the most significant milestones in this journey is the introduction of the Bakong System, an advanced payment platform developed by the National Bank of Cambodia (NBC). Launched ...Read more

Cambodia has rapidly embraced digital transformation, particularly in its financial sector. One of the most significant milestones in this journey is the introduction of the Bakong System, an advanced payment platform developed by the National Bank of Cambodia (NBC). Launched in October 2020, Bakong is a blockchain-based interbank payment system that facilitates seamless transactions between different financial institutions, promoting financial inclusion and efficiency.

How Many Financial Institutions Operate the Bakong System in Cambodia?
How Many Financial Institutions Operate the Bakong System in Cambodia? Photo by AI

Unlike traditional banking methods, Bakong integrates banks, microfinance institutions (MFIs), and payment service providers (PSPs) into a single digital platform. It enables users to make real-time transactions, regardless of the financial institution they are registered with. The system is compatible with KHQR Code payments, allowing merchants and consumers to process digital transactions effortlessly across multiple providers.

One of the key objectives of Bakong is to bridge the financial gap by offering secure and accessible digital payment options to both urban and rural populations. Cambodia has seen an impressive rise in mobile banking adoption, thanks to high smartphone penetration and improved internet access. The Bakong system, in particular, has significantly contributed to reducing reliance on cash transactions, enhancing transparency, and lowering operational costs for financial institutions and businesses alike.

Beyond domestic transactions, the system also supports cross-border payments, particularly with countries like Thailand, Laos, Vietnam, Malaysia, and India, fostering stronger regional financial integration. Given the increasing popularity of cashless payments, Bakong is expected to play an even more pivotal role in Cambodia’s digital financial landscape in the years to come.

How Many Financial Institutions Operate the Bakong System in Cambodia?

According to the 2024 annual report from the National Bank of Cambodia, as of 2024, a total of 69 financial institutions were part of the Bakong system. Out of these, 60 institutions had already officially launched their services, while 9 others were in the process of implementing the system.

The adoption rate of Bakong has been steadily increasing, reflecting a growing trust in digital financial transactions. The same report highlights that in 2024, the number of registered users of the Bakong system reached 642.5 thousand accounts, marking a 7% increase compared to 2023.

Additionally, banking institutions and payment service providers have expanded their services under Bakong. The number of customers with bank accounts or e-wallets who can transact via the Bakong system (also referred to as “Customer Reached”) is now estimated at 30 million accounts—approximately 1.69 times the total population of Cambodia.

Growth of KHQR Code Payments in Cambodia

Another important feature of the Bakong system is its KHQR Code payment function, which simplifies digital transactions. As of the end of 2024, financial institutions had successfully registered 4.5 million merchants to accept payments via KHQR Code, representing a 36.4% increase from the previous year. This surge highlights the rising preference for digital payment solutions among Cambodian businesses and consumers.

The Impact of the Bakong System on Cambodia’s Economy

The widespread adoption of the Bakong system has had numerous positive impacts on both the Cambodian public and the government. Dr. Hong Vannak, an economic analyst at the Royal Academy of Cambodia, has emphasized the growing popularity of digital payments among various demographics, especially in urban areas with reliable internet access.

Benefits for Consumers:

  1. Convenience – Users can make payments without carrying cash, reducing risks associated with theft or loss.
  2. Speed – Transactions are completed instantly, improving efficiency.
  3. Security – Eliminates concerns over counterfeit money.
  4. Health Safety – Reduces the risk of disease transmission through cash handling.

Benefits for the Government:

  1. Lower Operational Costs – Reduces the need for printing physical banknotes.
  2. Enhanced Financial Transparency – Facilitates better monitoring of money flows.
  3. Support for Financial Inclusion – Encourages more people, including those in rural areas, to engage in formal financial activities.

Conclusion

The Bakong System has revolutionized Cambodia’s digital payment landscape, fostering financial inclusion and economic efficiency. With 69 financial institutions participating, and over 30 million potential users, the platform continues to grow as a key driver of Cambodia’s cashless economy. Its KHQR Code feature further enhances accessibility and ease of transactions, making digital payments a mainstream option.

As Cambodia continues to integrate innovative financial technologies, the Bakong system is expected to play a central role in shaping the country’s economic future, reinforcing digital payments as an essential component of everyday transactions.

  • 0
    Facebook
Read less
  • 0 Answers
  • 0 Followers
1 … 24 25 26 … 115

Sidebar

  • Facebook
  • TikTok
  • TikTok
  • LinkedIn
  • X
  • YouTube
  • Reddit
  • Instagram
  • LinkedIn
  • Facebook
  • Facebook
  • Most visited
  • Why Pubstreet in Siem Reap popular? What can I do there ?

  • How do I earn 5k-6k a month from YouTube in Cambodia?

  • Who are the Richest Persons in Cambodia?

  • Why do people buy verified Facebook account or page in Cambodia?

  • What are the best businesses to start in Cambodia?

  • Useful links
  • Official Angkor Pass/Ticket
    www.angkorenterprise.gov.kh
  • E-visa Cambodia
    www.evisa.gov.kh
  • Cambodia e-Arrival
    Android App | iOS App
  • Bakong Tourist Apps
    Android App | iOS App
  • Online Busienss Registration
    Business Registration System
  • Angkor Times
  • Write for Us
  • Contact Us
  • Privacy
  • Terms

© 2025 Angkor Times.
Powered by Angkor Times Team

Explore

  • Home
  • Business Guide
  • Living Guide
  • Tours Guide
  • Learn Khmer
  • Public Holidays
  • Emergency
  • Help