Angkor Times Latest Questions

Angkor Times
Angkor TimesExperienced
Asked: March 7, 2025In:

Phnom Penh, the bustling capital of Cambodia, has experienced rapid urbanization and economic growth over the past two decades. With the city center becoming increasingly congested and expensive, investors are turning their attention to the suburbs. The government’s push for ...Read more

Phnom Penh, the bustling capital of Cambodia, has experienced rapid urbanization and economic growth over the past two decades. With the city center becoming increasingly congested and expensive, investors are turning their attention to the suburbs. The government’s push for infrastructure expansion, combined with rising demographic trends, has made suburban land an attractive investment option. As the city expands outward, suburban areas such as Kandal, Preah Sihanouk, and other adjacent regions are experiencing unprecedented development.

Is Suburban Land a Better Investment Than City Property? Here’s the Truth!
Is Suburban Land a Better Investment Than City Property? Here’s the Truth!

Land investment for profit is beginning to recover, especially in prime locations with high future potential. National and international real estate experts suggest that when the market faces challenges, investors should focus on suburban areas rather than distant provinces. This strategy ensures long-term growth, liquidity, and returns on investment. Investing in suburban land provides an opportunity to capitalize on the rapid development occurring in these areas, driven by increased economic activities and government-backed projects.

The Potential of Suburban Land for Development

The rapid expansion of Phnom Penh has led to a surge in suburban development, making it an attractive investment opportunity. The government has been actively supporting suburban growth through infrastructure projects, including roads, bridges, and commercial centers. These improvements are essential for facilitating economic activities and accommodating the increasing demand for housing and business establishments. As more companies and industries move to the outskirts, the value of land in these regions is expected to rise. The government’s focus on expanding industrial zones and developing residential areas creates a favorable environment for investors looking for long-term gains.

Demographic Growth and the Demand for Land

Population growth is a critical factor that influences the value of real estate, and Phnom Penh’s suburbs have been witnessing a steady rise in residents. As the city’s population continues to increase, more people are seeking affordable housing options in the outskirts. The growing demand for residential and commercial properties in suburban areas has made land investment a lucrative opportunity. A thriving population contributes to a strong local economy, creating better cash flow and a more vibrant real estate market. With schools, hospitals, and shopping centers emerging in these areas, investors can expect consistent growth in land value and rental demand.

The Influence of Government Investment and Budget Allocation

The government’s role in suburban development cannot be overlooked, as it prioritizes these areas when allocating the national budget. Due to their proximity to the capital, suburban regions often receive the first wave of infrastructure funding. This includes the development of roads, public utilities, and essential services such as healthcare and education. The government’s focus on enhancing the suburban economy ensures that these areas remain attractive for investment. Compared to remote provinces, suburban land benefits from faster development and better connectivity, making it a safer and more profitable investment choice.

The Importance of Infrastructure Connectivity

Infrastructure plays a crucial role in determining the growth potential of suburban land. Well-planned road networks, clean water systems, and reliable electricity supply make an area more desirable for both businesses and residents. The suburbs of Phnom Penh have been benefiting from extensive infrastructure improvements, ensuring smooth connectivity with the city center. As transportation networks continue to expand, suburban land is becoming increasingly accessible, attracting more investors and developers. The presence of major transport hubs such as highways and railway stations further enhances the attractiveness of these areas, leading to sustained increases in property value.

Affordability and Return on Investment

One of the main reasons investors are drawn to suburban land is its affordability compared to properties in the city center. The lower cost of acquiring land in the outskirts allows investors to purchase larger plots, providing greater flexibility for future developments. Whether for residential projects, commercial centers, or industrial zones, suburban land offers significant potential for high returns on investment. As demand continues to grow, early investors stand to benefit from substantial appreciation in land prices. The combination of affordability and long-term growth potential makes suburban land a highly attractive option for real estate investment.

The Role of Industrial and Commercial Expansion

The increasing presence of industrial and commercial hubs in suburban areas is another factor driving real estate investment. As businesses relocate to the outskirts due to lower costs and government incentives, the demand for land in these regions is rising. The establishment of economic zones and manufacturing centers has created new job opportunities, attracting a workforce that requires housing and services. This, in turn, boosts demand for residential and commercial properties, further increasing land value. Investors who recognize this trend can capitalize on the growing need for industrial, commercial, and residential developments in the suburbs.

Urbanization and the Shift to Suburban Living

As Phnom Penh continues to develop, urbanization is extending beyond the city center. High living costs and congestion have led many people to seek better living conditions in the suburbs. With modern housing projects, green spaces, and improved public services, suburban areas are becoming preferred residential locations. Families and professionals are opting for the quieter and more affordable lifestyle offered by the outskirts, further driving demand for land and properties. This shift in urban living patterns reinforces the long-term investment potential of suburban land.

Government Policies and Investment Incentives

The Cambodian government has implemented several policies to encourage investment in suburban areas. Tax incentives, infrastructure development plans, and the establishment of special economic zones have contributed to the growing appeal of these regions. By fostering a business-friendly environment and providing incentives for real estate development, the government is ensuring sustained growth in suburban real estate markets. Investors who take advantage of these policies can maximize their returns and contribute to the overall economic development of the region.

Final Thoughts on Investing in Suburban Land

Investing in suburban land presents a valuable opportunity for those looking to capitalize on Phnom Penh’s expansion. With strong government support, increasing population growth, and rapid infrastructure development, suburban areas offer immense potential for long-term financial gains. The affordability of land, coupled with rising demand for residential and commercial properties, makes it a smart investment choice. As industries, businesses, and residents continue to move to the outskirts, land values are expected to appreciate, ensuring profitable returns for investors.

What are your thoughts on investing in suburban land? Have you considered investing in Phnom Penh’s outskirts? We’d love to hear your perspective! Share your thoughts in the comments below and don’t forget to share this blog with others to join the discussion.

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 7, 2025In:

Why the Public Emergency Pole System on Pub Street in Siem Reap is Essential for Travelers? Siem Reap, Cambodia, is one of the most famous tourist destinations in Southeast Asia. Known as the gateway to the magnificent Angkor Wat, this city ...Read more

Why the Public Emergency Pole System on Pub Street in Siem Reap is Essential for Travelers?

Siem Reap, Cambodia, is one of the most famous tourist destinations in Southeast Asia. Known as the gateway to the magnificent Angkor Wat, this city attracts millions of visitors annually. Beyond the ancient temples, Siem Reap offers a vibrant nightlife, cultural experiences, and a welcoming atmosphere.

At the heart of this excitement is Pub Street, the city’s most popular entertainment district. Lined with bars, restaurants, and nightclubs, Pub Street is the epicenter of nightlife in Siem Reap. Tourists from all over the world gather here to enjoy local cuisine, live music, and a buzzing atmosphere that lasts late into the night. However, with the influx of visitors, ensuring safety and security becomes a priority. Recognizing this, the Siem Reap administration has recently installed a public emergency pole system to enhance security in the Pub Street area.

Why the Public Emergency Pole System on Pub Street in Siem Reap is Essential for Travelers? - Photo by AI
Why the Public Emergency Pole System on Pub Street in Siem Reap is Essential for Travelers? – Photo by AI

SR Trials Public Emergency Pole System on Pub Street

As part of its smart city initiative, the Siem Reap administration launched its first public emergency pole system on Sok Sen Road, within the Pub Street area. This initiative aims to enhance safety and emergency response in a location that sees high tourist footfall.

SR Trials Public Emergency Pole System on Pub Street
SR Trials Public Emergency Pole System on Pub Street

Ly Vannak, spokesman and director of the Siem Reap Provincial Administration, confirmed that the emergency pole system went live last week. “If the implementation of this pilot project runs smoothly and effectively, we will expand the system to more locations according to key destinations for tourists as well as our citizens,” he stated.

public emergency pole system in PubStreet, Siem Reap
public emergency pole system in PubStreet, Siem Reap

How the Emergency Pole System Works

The emergency pole system is designed to provide immediate assistance in case of emergencies. Here’s how it functions:

  • 24/7 Accessibility: The system operates round-the-clock, ensuring help is available anytime.
  • One-Button Alert: A simple press of the button activates an intercom, allowing the public to describe their emergency.
  • Instant Police Notification: Pressing the button triggers an alarm that alerts the police, who have a dedicated team on standby.
  • Emergency Dispatch: Depending on the situation, authorities can dispatch ambulances, fire trucks, or police officers to respond to the emergency.

According to Yun Linne, deputy governor in charge of the Siem Reap Smart City project, the project is sponsored by the Japan International Cooperation Agency (JICA) and is intended to improve safety in the city.

Why the Public Emergency Pole System is Important for Travelers

1. Enhances Tourist Safety

Siem Reap is a bustling tourist hub, and with large crowds, the risk of accidents, petty crimes, and emergencies increases. The public emergency pole system ensures that help is just a button away, providing peace of mind to visitors.

2. Quick Response in Case of Emergencies

Tourists who do not speak Khmer or are unfamiliar with local emergency services can quickly access assistance without struggling to make a phone call. The intercom system connects directly to authorities who can send immediate help.

3. Protection Against Crime

While Siem Reap is generally safe, incidents such as theft and minor crimes can occur. The emergency poles serve as a deterrent to criminals and a way for tourists to report any suspicious activities.

4. Immediate Medical Assistance

Many tourists participate in adventure activities, nightlife, and local exploration, which can sometimes lead to injuries or medical emergencies. The system enables fast access to medical help, reducing potential health risks.

5. Assistance for Lost or Stranded Tourists

Visitors unfamiliar with the city can sometimes get lost, especially at night. The public emergency pole system allows tourists to call for guidance and assistance, ensuring they safely find their way.

6. Encourages Responsible Tourism

Having an emergency system in place encourages responsible tourism by providing a sense of security, allowing travelers to enjoy Siem Reap’s attractions while knowing that safety measures are in place.

7. Improves City Infrastructure and Reputation

A city that prioritizes tourist safety builds a stronger global reputation. Siem Reap’s investment in smart safety solutions reinforces its commitment to being a world-class travel destination.

Expansion Plans and Future Prospects

Vannak emphasized that this project is currently in a trial phase, expected to last between three to six months. If successful, more emergency poles will be installed in other parts of the city, particularly in high-traffic areas such as markets, transportation hubs, and major tourist sites.

The success of this initiative could set a precedent for other cities in Cambodia to implement similar systems, enhancing nationwide tourist safety and urban security.

Conclusion

The public emergency pole system on Pub Street is a significant step toward making Siem Reap a safer and more tourist-friendly city. Whether it’s for responding to medical emergencies, preventing crime, or assisting lost travelers, this system ensures that visitors can explore with confidence.

What do you think about this new safety measure? Would you feel safer knowing that emergency poles are available while traveling in Siem Reap? Share your thoughts in the comments and share this blog post with others to join the discussion!

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 7, 2025In:

Phnom Penh, the capital city of Cambodia, is one of the fastest-growing urban centers in Southeast Asia. Over the past few decades, the city has undergone significant economic and infrastructural development, leading to an increase in population, businesses, and transportation ...Read more

Phnom Penh, the capital city of Cambodia, is one of the fastest-growing urban centers in Southeast Asia. Over the past few decades, the city has undergone significant economic and infrastructural development, leading to an increase in population, businesses, and transportation needs. Unfortunately, with this rapid growth comes a major challenge—traffic congestion. Traffic jams in Phnom Penh have become an everyday struggle for residents, workers, and visitors alike.

The congestion on Phnom Penh’s roads can be attributed to several factors, including urban sprawl, rapid economic development, and an aging infrastructure that has failed to keep up with the city’s expansion. Additionally, the increasing number of private vehicles, inefficient public transportation, and improper road use further contribute to the problem. Peak hours in Phnom Penh, particularly in the morning and evening, witness severe traffic blockages, leading to frustration, lost productivity, and increased pollution.

Causes of Traffic Jams or Traffic Congestion in Phnom Phen - Photo by AI
Causes of Traffic Jams or Traffic Congestion in Phnom Phen – Photo by AI

In this blog post, we will explore the major causes of traffic jams in Phnom Penh, from the structural and economic factors to daily activities that contribute to congestion. We will also discuss potential solutions to alleviate this issue and make commuting in the city smoother. If you live in Phnom Penh or frequently visit, you have likely experienced the chaos of its roads. Read on to understand why traffic congestion happens and how it can be mitigated.

Causes of Traffic Jams in Phnom Penh

1. Urban Sprawl

As Phnom Penh continues to expand, its urban sprawl has led to increased travel distances between residential areas, workplaces, and commercial centers. Many people now live in suburban areas but commute daily to the city center for work or education. This movement results in high traffic volumes on main roads, particularly during rush hours. The spread of unplanned or poorly regulated housing developments also worsens the situation, as many new communities lack proper road infrastructure, forcing residents to rely on the already congested main roads.

2. Rapid Development

Cambodia’s economic boom has led to rapid infrastructure development, including new buildings, businesses, and residential projects. While this growth is positive, it has also led to increased construction activities across the city. Construction zones often take up portions of major roads, slowing down traffic. Additionally, as more people move to Phnom Penh in search of work opportunities, the demand for transportation grows, further straining the city’s road capacity.

3. Inability of Phnom Penh’s Infrastructure to Keep Up

The city’s infrastructure has not been able to keep pace with its growing traffic demands. Many roads in Phnom Penh were originally designed for much lower traffic volumes. With the increasing number of vehicles on the road, these streets have become overwhelmed. Additionally, outdated traffic management systems and insufficient traffic signals lead to unorganized road usage, making congestion worse. Without a long-term urban planning strategy, the city will continue to struggle with traffic issues.

4. Schools Causing Traffic Bottlenecks

Phnom Penh is home to many schools, both public and private. During peak school hours, roads near schools become highly congested as parents drop off or pick up their children. Many students, especially younger ones, either cross busy streets or travel on foot, causing vehicles to slow down. Moreover, some schools are located near main streets, creating bottlenecks as a large number of vehicles try to navigate these areas simultaneously.

5. Markets Increasing Traffic Congestion

Markets play an essential role in daily life in Phnom Penh, but they are also a major cause of traffic congestion. Markets attract both vendors and customers, leading to a high concentration of people and vehicles in specific areas. Many vendors set up stalls along roadsides, further narrowing available road space and making it difficult for vehicles to pass through smoothly. Popular markets like Orussey Market, Central Market, and Russian Market are well-known traffic hotspots.

6. Factories Contributing to Traffic Jams

Many factories are located near major streets or in densely populated areas, causing congestion when workers commute to and from work. With hundreds to thousands of factory workers traveling at the same time, traffic jams become inevitable, especially during shift changes. The lack of dedicated transportation systems for workers exacerbates this issue, as most rely on motorbikes, tuk-tuks, or shared taxis, which add to road congestion.

Solutions to Reduce Traffic Jams

1. Relocating Factories, Markets, and Schools

One of the best ways to reduce congestion is to relocate large institutions such as factories, markets, and schools to the outskirts of the city or designated areas with large land plots. By moving these establishments away from main roads, the volume of traffic in the city center can be significantly reduced. If relocation is not feasible, creating underground passageways or elevated bridges for pedestrians could help ease congestion in busy areas.

2. Building Overpasses and Flyovers

To reduce bottlenecks at major intersections, the government should invest in constructing overpasses or flyovers at critical points in the city. Elevated roadways can help divert traffic from congested areas, ensuring a smoother flow of vehicles. Countries like Thailand and Vietnam have successfully implemented flyover projects to manage traffic in their urban centers.

3. Improving Traffic Light Systems

An efficient traffic light system is essential for managing traffic flow. Many streets in Phnom Penh lack sufficient traffic lights, leading to confusion and disorderly driving. Installing traffic signals at strategic locations and ensuring they are well-maintained can help regulate traffic movement and reduce congestion.

4. Speeding Up Drainage System Upgrades

During the rainy season, Phnom Penh experiences severe flooding, which significantly worsens traffic congestion. Upgrading the city’s drainage system is crucial to ensuring roads remain passable even during heavy rainfall. Construction work for drainage improvements should be carried out at night to minimize disruption during peak hours.

5. Preventing Vendors from Occupying Road Space

Many street vendors set up stalls along sidewalks and roads, further narrowing available road space and making it difficult for vehicles to pass. Strict enforcement of regulations is needed to prevent vendors from occupying public roads. Designating proper vending zones away from busy streets can help resolve this issue.

Conclusion

Traffic congestion in Phnom Penh is a serious issue that affects daily life, economic productivity, and the environment. The root causes of this problem include rapid urbanization, infrastructure limitations, school and market locations, and the increasing number of vehicles. However, with strategic planning and the implementation of effective solutions—such as relocating factories and schools, constructing overpasses, improving traffic management systems, and enforcing road regulations—the city can alleviate its traffic woes.

As a resident or visitor in Phnom Penh, have you experienced frustrating traffic jams? What solutions do you think would work best to solve this issue? Share your thoughts in the comments below and spread this discussion by sharing this blog post with others!

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 6, 2025In:

TikTok has experienced remarkable growth in Cambodia, becoming a dominant force in the nation’s social media landscape. As of January 2025, Cambodia had approximately 12.8 million Messenger users, accounting for 71.5% of its population. While specific data on TikTok users ...Read more

TikTok has experienced remarkable growth in Cambodia, becoming a dominant force in the nation’s social media landscape. As of January 2025, Cambodia had approximately 12.8 million Messenger users, accounting for 71.5% of its population. While specific data on TikTok users in Cambodia is limited, the platform’s global expansion suggests a significant user base in the country.

Globally, TikTok’s user base has been on an upward trajectory. In 2024, the platform surpassed 2 billion users worldwide, with projections indicating a 4.2% growth in 2025. This surge reflects TikTok’s widespread appeal and its ability to resonate with diverse audiences across various regions.

In Cambodia, TikTok has not only provided entertainment but also influenced cultural trends and social interactions. Users across the country have embraced the platform to showcase their creativity, share traditional dances, music, and daily life snippets, thereby fostering a unique digital community. This digital engagement has bridged generational gaps, with both younger and older Cambodians participating in content creation and consumption.

How to Get Success on TikTok During Khmer New Year 2025 – Key Insights by Aleph
How to Get Success on TikTok During Khmer New Year 2025

The platform’s influence extends beyond individual users. Businesses and influencers in Cambodia have leveraged TikTok to reach wider audiences, promote products, and engage with consumers in innovative ways. This shift underscores the platform’s role in modern marketing strategies within the Cambodian market.

With Khmer New Year fast approaching, TikTok becomes the ultimate destination for fun, discovery, and engagement. Data from a local company, March 2025 highlights TikTok’s growing role in shaping holiday celebrations, shopping trends, and brand interactions in Cambodia.

Tis the Season on TikTok to Be Joyful

As we step into the most wonderful time of the year in Cambodia, TikTok emerges as the ultimate platform for celebration and business success. The platform’s vibrant and engaging community thrives during Chol Chnam Thmey, making it the perfect opportunity for brands to connect, inspire, and drive sales.

  • 73% of users search TikTok for fun, inspiring, and joyful activities.
  • 54% of users are likely to engage with brands on TikTok.

For businesses, this means a golden opportunity to remain top of mind and get discovered in a season of joy and shopping.

Why Chol Chnam Thmey & Summer Are Crucial for Brands on TikTok?

Chol Chnam Thmey is Cambodia’s biggest celebration, and TikTok users engage in key holiday activities:

  • Shopping
  • Feasting
  • Gathering
  • Traveling

TikTok is a main source of cultural exploration during this festive period, with 68% of users maintaining or increasing their activity on the platform.

Trending Hashtags to Tap Into:

  • #KhmerFood – 84M
  • #instocknow – 14M
  • #bodylotion – 56M
  • #KhmerNewYearSong – 115K
  • #Hairstyle – 327M
  • #ម្ហូបខ្មែរ – 52M
  • #OOTD (Outfit of the Day) – 252M

TikTok Sparks Discovery & Purchase

Users turn their TikTok experiences into real-world actions:

  • 73% of TikTok users take action after watching ads during Chol Chnam Thmey.
  • 57% make a purchase after discovering a product on TikTok.

What Users Look for:

  1. New Product Launches (1.9x increase in searches)
  2. Higher Spending on Shopping (1.5x increase in purchases)
  3. Seasonal Product Offerings (1.4x demand growth)

Key Product Categories & Impressions

  • Body Creams & Lotions – 47M
  • Mobile & Accessories – 40M
  • Perfume – 17M

Purchases Driven by TikTok Content

The biggest categories benefiting from TikTok-driven sales include:

  • Food & Beverage (F&B)
  • Fashion
  • Beauty & Cosmetics
  • Consumer Packaged Goods (CPG)
  • Restaurants & Travel Services
  • Automotive & Finance

Turning Entertainment into Action

The type of content that drives engagement and conversions:

  • Music & Entertainment Content – 70%
  • Educational Value Content – 46%
  • Trending Soundtracks (Global & Local) – 43%
  • Relatable Content – 39%
  • High-Quality Product Showcases – 37%
  • Emotional Storytelling – 30%

Top 4 Most-Watched Content Categories:

  • F&B (56%)
  • CPG (57%)
  • Fashion (57%)
  • Travel (40%)

Food & Beverage: Holiday Feasting & Shopping

Chol Chnam Thmey is all about food, and TikTok is a key driver of inspiration:

  • 85% Cook for family and friends
  • 84% Dine out
  • 83% Order delivery/takeout
  • 82% Give food items as gifts
  • 75% Bake for family and friends

Inspirational Content:

  • 52% of users plan and look for brands/products for their food.
  • 71% are inspired to try new brands/products after seeing them on TikTok.

Beauty & Fashion: The Ultimate Style Inspiration

TikTok users plan to spend more on:

  • 61% Beauty & Skincare
  • 66% Fashion & Accessories

A month before Chol Chnam Thmey, users actively search for:

  • 49% Discover fashion trends.
  • 45% Are inspired by TikTok beauty and fashion content.
  • 50% Purchase fashion and beauty items based on TikTok content.

Popular Fashion Content Includes:

  • “Get Ready With Me” videos
  • Fashion & Makeup Tips
  • Outfit Inspiration
  • New-In Trends

Travel: Planning the Perfect Chol Chnam Trip

TikTok users are 1.6x more likely to plan Chol Chnam travel than non-users:

  • 65% Plan domestic trips
  • 90% Travel with family
  • 65% Plan trips lasting 3-6 days

Reasons for Travel:

  • 69% Family time
  • 57% Have fun
  • 52% Discover new places
  • 49% Explore different regions
  • 43% Experience local activities

Finance: TikTok as a Hub for Financial Decisions

During Chol Chnam Thmey, TikTok users look for financial guidance:

  • 36% Seek information about financial products/services.

Financial Plans for the Season:

  • 81% Plan to open a new bank/savings account.
  • 55% Want to sign up for a new credit card.
  • 54% Consider getting a personal or long-term loan.

Key Takeaways: Strategies for TikTok Success

1. Watch for Trends & Loved Content

Engage with trending hashtags, viral sounds, and seasonal content themes.

2. Be Resonant & Relevant

Create content that connects with the Chol Chnam Thmey spirit—family, shopping, feasting, and traveling.

3. Turn Entertainment into Action

Encourage viewers to interact, share, and make purchases through engaging and relatable storytelling.

How to Play the Season: A TikTok Strategy

To maximize reach and conversions, use TikTok’s full-funnel marketing approach:

Branding: Storytelling & Awareness

  • Top Funnel: Build brand recognition through emotional storytelling and broad reach campaigns.
  • Mid Funnel: Drive engagement and interactions.
  • Bottom Funnel: Push for direct conversions and purchases.

Performance: Sales & Action

  • Drive Sales Now: Focus on short-term, persuasive messaging.
  • Long-Term Impact: Establish brand affinity through repeated exposure.

TikTok Ad Solutions for Chol Chnam Thmey

Upper Funnel – Awareness & Reach

  • TopView
  • In-Feed Ads (Reach & Frequency)
  • Branded Effects

Mid Funnel – Consideration & Engagement

  • Focused View Ads

Lower Funnel – Conversions & Sales

  • Web Conversion Ads
  • App Promotion Ads
  • Messaging Ads

How Brands Can Win During Chol Chnam Thmey

  1. Discoveries to Action: Launch new products during the festive season.
  2. Intention-Led Action: Activate campaigns for seasonal promotions.
  3. Own the Moment: Celebrate Chol Chnam Thmey alongside your audience.

Launching a New Product?

  • Pre-Launch: Generate awareness.
  • Launch: Use high-impact placements.
  • Post-Launch: Retarget audiences and extend reach.

Promoting a Limited-Time Product?

  • Pre-Launch: Build anticipation.
  • Launch: Maximize visibility with premium placements.
  • Post-Launch: Leverage endorsements and user-generated content.

Running Seasonal Promotions?

  • Pre-Season: Build hype.
  • Seasonal Push: Target engaged shoppers.
  • Promotions: Activate lead generation and exclusive deals.

TikTok is the ultimate one-stop holiday hub for brands this Chol Chnam Thmey. Use these insights and strategies to drive success and maximize your brand’s impact on the platform!

Conclusion

TikTok’s rapid rise in Cambodia reflects the growing influence of digital platforms in shaping culture, business, and social interactions. With millions of users actively engaging in content creation, TikTok has become more than just a source of entertainment—it is a space for creativity, marketing, and community building. From showcasing Cambodian traditions to helping businesses reach new audiences, the platform has opened up numerous opportunities.

However, with this rapid adoption comes the need for responsible usage. Incidents like the controversial “Temple Run” trend at Angkor Wat highlight the importance of balancing digital engagement with cultural preservation. As TikTok continues to evolve, it is crucial for users, businesses, and authorities to work together to ensure its benefits outweigh potential drawbacks.

Ultimately, TikTok is not just a trend in Cambodia—it is a digital revolution that is reshaping the way people connect, express themselves, and participate in the global digital economy.

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 5, 2025

Best Reasons Why the Education Sector is a Profitable Business in Cambodia. Education is the backbone of any thriving economy, and in Cambodia, it has become a rapidly growing and profitable industry. With a young population, increasing demand for quality ...Read more

Best Reasons Why the Education Sector is a Profitable Business in Cambodia.

Education is the backbone of any thriving economy, and in Cambodia, it has become a rapidly growing and profitable industry. With a young population, increasing demand for quality education, and government support, the education sector presents a golden opportunity for investors and entrepreneurs. This blog explores the seven top reasons why the education sector is a profitable business in Cambodia.

Best Reasons Why the Education Sector is a Profitable Business in Cambodia
Best Reasons Why the Education Sector is a Profitable Business in Cambodia

1. Education is a Basic Necessity for Everyone

Education is not a luxury—it is a necessity. In every household, parents prioritize their children’s education, no matter their financial situation. Whether it’s basic literacy, vocational training, or higher education, learning is an essential part of life. As Cambodia progresses economically and socially, the need for better education opportunities continues to rise. Entrepreneurs investing in schools, training centers, and tutoring services are tapping into an industry that will never go out of demand.

Even in rural areas, parents strive to send their children to school, believing that education is the key to a better future. The growing middle class in Cambodia also seeks quality education for their children, making the demand for international schools, private institutions, and specialized training programs stronger than ever.

2. Education Persists Even During Economic Decline

Unlike other industries that fluctuate based on economic conditions, education remains a priority even during financial downturns. Parents may cut back on entertainment or luxury spending, but they will continue to invest in their children’s education. Even during global crises like the COVID-19 pandemic, educational institutions adapted by shifting to online learning, ensuring the continuity of education.

For business owners, this makes education a stable and secure investment. Schools, universities, and training centers may face short-term challenges, but the long-term profitability remains strong. The resilience of the education sector makes it one of the safest industries to invest in Cambodia.

3. Increasing Demand for Quality Education

As Cambodia’s economy grows, so does the demand for higher-quality education. Parents want the best for their children, and many seek international curricula, bilingual education, and modern teaching methods. This demand has led to the rapid expansion of international schools, private academies, and advanced training institutions.

Moreover, companies and organizations in Cambodia require a skilled workforce. Higher education institutions offering specialized courses in business, IT, engineering, and healthcare are flourishing. Investors can take advantage of this by establishing quality education centers that cater to the needs of students and employers alike.

4. The Rise of Technology and AI in Education

The integration of technology and artificial intelligence (AI) in education is another reason why the sector is thriving. Online learning platforms, virtual classrooms, and AI-driven tutoring programs have made education more accessible than ever. Cambodia has seen a surge in e-learning platforms, mobile apps, and online tutoring services, allowing students to learn from anywhere.

This digital transformation presents a lucrative opportunity for education technology (EdTech) businesses. Companies offering online courses, virtual training, and digital education tools are rapidly expanding in Cambodia. Entrepreneurs who invest in AI-driven education solutions can tap into a growing market that bridges the gap between traditional education and modern learning needs.

5. A Young and Growing Population

Cambodia has one of the youngest populations in Southeast Asia, with over 60% of its population under the age of 30. This demographic trend means a continuous demand for primary, secondary, and higher education. As young Cambodians seek better career opportunities, they are willing to invest in education that enhances their skills and employability.

Vocational training centers, language schools, and STEM (Science, Technology, Engineering, and Mathematics) programs are particularly profitable. With Cambodia moving towards an industrialized economy, these educational services are crucial in developing a skilled workforce. Entrepreneurs who recognize this demand can build successful education businesses that cater to the needs of this young and ambitious generation.

6. Government Support and Policies Encouraging Education

The Cambodian government has placed education at the forefront of its national development plan. The Ministry of Education, Youth, and Sport has implemented several policies to improve education quality and increase access to learning. Public-private partnerships, foreign investments, and scholarships have also been introduced to enhance the education sector.

These government initiatives provide a strong foundation for private investors and businesses. Entrepreneurs setting up schools, universities, or training centers can benefit from government grants, tax incentives, and infrastructure support. The presence of strong educational policies ensures a sustainable and profitable business environment for education entrepreneurs.

7. Job Market Requirements Drive Education Demand

As Cambodia’s economy diversifies, businesses are looking for a workforce with specialized skills. Employers demand technical expertise, soft skills, and industry-specific knowledge, creating a strong demand for professional training and higher education.

Fields such as IT, digital marketing, business management, healthcare, and hospitality require formal education and certification. As a result, technical and vocational training institutes are thriving. Businesses that offer job-oriented courses and certifications are in high demand, making this a lucrative opportunity for education entrepreneurs.

Additionally, English proficiency is becoming a requirement for many jobs. As Cambodia integrates into the global economy, English language centers are expanding rapidly. Schools and private tutors offering English, Chinese, and other foreign language programs are making significant profits.

Conclusion

The education sector in Cambodia is more than just a necessity—it is a highly profitable business opportunity. With growing demand, government support, technological advancements, and a young population, the potential for success in this industry is immense. Entrepreneurs and investors who recognize these trends can build successful educational institutions, training centers, and EdTech businesses that not only generate revenue but also contribute to the nation’s development.

Whether you are looking to start a private school, online learning platform, vocational training center, or tutoring service, Cambodia’s education sector offers endless possibilities. Investing in education is not only a profitable venture but also a meaningful contribution to the future of the country.

What do you think about the growth of the education sector in Cambodia? Do you believe it’s a profitable industry? Share your thoughts in the comments below!

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 5, 2025In:

E-commerce has revolutionized the way people shop and do business, providing vast opportunities for entrepreneurs to make money online. Websites like AliExpress, Alibaba, and Taobao have become global marketplaces that allow individuals and businesses to source, sell, and profit from ...Read more

E-commerce has revolutionized the way people shop and do business, providing vast opportunities for entrepreneurs to make money online. Websites like AliExpress, Alibaba, and Taobao have become global marketplaces that allow individuals and businesses to source, sell, and profit from various products. But how exactly can you make money using these platforms?

Make Money from AliExpress, Alibaba, or Taobao
Make Money from AliExpress, Alibaba, or Taobao

In this blog post, we will explore seven of the best ways to make money from AliExpress, Alibaba, or Taobao. Whether you’re an aspiring entrepreneur or looking for a side hustle, these methods can help you generate a steady income.

1. Dropshipping Business

One of the most popular ways to make money using AliExpress, Alibaba, or Taobao is through dropshipping. Dropshipping is a business model where you sell products online without holding inventory. Instead, you purchase the product from a third-party supplier, who then ships it directly to the customer.

How to Get Started:

  • Choose a niche (e.g., pet accessories, electronics, fashion, etc.).
  • Create an e-commerce store using Shopify, WooCommerce, or another platform.
  • Import products from AliExpress (or Taobao, if targeting Chinese customers).
  • Market your store via social media ads, SEO, and influencer marketing.
  • When a customer places an order, you purchase the item from AliExpress and enter their shipping details.

Why Dropshipping is Profitable:

  • No need to invest in inventory.
  • Low startup costs.
  • Ability to scale quickly with marketing strategies.

Potential Earnings:

Successful dropshipping businesses can generate anywhere from $1,000 to $100,000+ per month, depending on marketing, niche selection, and execution.

2. Importing and Selling Locally

If you prefer to hold inventory and sell products in your local market, you can import items from Alibaba, Taobao, or AliExpress and sell them at a profit.

How to Get Started:

  • Research trending and high-demand products in your country.
  • Order products in bulk from Alibaba (for wholesale purchases) or Taobao (for unique Chinese products).
  • Sell them through local e-commerce platforms, marketplaces, or physical stores.
  • Use Facebook Marketplace, Instagram Shops, Lazada, Shopee, or Amazon to list your products.

Why Importing and Reselling is Profitable:

  • Higher profit margins when buying in bulk.
  • Control over inventory and product quality.
  • Ability to build a strong local brand.

Potential Earnings:

Depending on the product and demand, profits can range from 20% to 300% per item.

3. Print-on-Demand Business

Print-on-demand (POD) is a business model where you design custom products like t-shirts, mugs, phone cases, and hoodies, then have them printed and shipped when a customer places an order.

How to Get Started:

  • Design unique and trendy prints.
  • Partner with print-on-demand suppliers that source blanks from Alibaba or Taobao.
  • Sell through a custom website or platforms like Etsy, Redbubble, or Amazon.
  • Promote your designs using Facebook and Instagram ads.

Why Print-on-Demand is Profitable:

  • No inventory is needed—products are created only after an order is placed.
  • Easy to test new designs without financial risk.
  • Can charge a premium for unique designs.

Potential Earnings:

Some POD businesses make $5,000 – $50,000 per month, depending on niche selection and marketing strategies.

4. Affiliate Marketing with AliExpress

Affiliate marketing allows you to earn commissions by promoting products from AliExpress, Alibaba, or Taobao.

How to Get Started:

  • Sign up for the AliExpress Affiliate Program.
  • Create a blog, YouTube channel, or social media page focused on a niche.
  • Write product reviews, create video demonstrations, or run comparison articles.
  • Share your affiliate links and earn commissions on each sale.

Why Affiliate Marketing is Profitable:

  • No inventory or customer service required.
  • Can be passive income once content is ranked or viral.
  • Unlimited earning potential—more traffic equals more commissions.

Potential Earnings:

AliExpress affiliate commissions range from 3% to 9% per sale, but high-volume traffic can generate thousands of dollars per month.

5. Private Labeling & Branding

Private labeling involves purchasing generic products from Alibaba or Taobao, adding your own brand logo, and reselling them as premium products.

How to Get Started:

  • Research products that can be branded (e.g., skincare, fitness gear, accessories).
  • Find OEM manufacturers on Alibaba.
  • Design custom packaging and branding.
  • Sell on Amazon FBA, Shopify, or local e-commerce sites.

Why Private Labeling is Profitable:

  • Higher perceived value allows for better profit margins.
  • Builds long-term brand recognition.
  • Less competition compared to dropshipping.

Potential Earnings:

Many private label businesses make $10,000 – $500,000 per month, depending on the brand’s success.

6. Wholesale B2B Trading

If you want to buy in bulk and resell to other businesses, Alibaba is the best platform to source products at wholesale prices.

How to Get Started:

  • Find bulk buyers in your country or through B2B platforms like Global Sources or ThomasNet.
  • Order large quantities of high-demand products.
  • Offer competitive pricing and create bulk discount packages.
  • Sell through business websites, LinkedIn, and e-commerce marketplaces.

Why B2B Trading is Profitable:

  • Higher sales volumes mean larger revenue.
  • Recurring orders from long-term business customers.
  • Direct negotiations allow for better pricing and profits.

Potential Earnings:

Established B2B traders can generate $50,000 – $1,000,000 per year, depending on product category and market demand.

7. Arbitrage (Buying Low and Selling High)

Arbitrage is a simple yet profitable business model where you buy products at a lower price from AliExpress, Taobao, or Alibaba and sell them at a higher price on Amazon, eBay, or local marketplaces.

How to Get Started:

  • Find undervalued or discounted products.
  • Purchase in small quantities to test the market.
  • Resell at a higher price on Amazon, Facebook Marketplace, or eBay.
  • Optimize your listings with high-quality images and descriptions.

Why Arbitrage is Profitable:

  • Quick turnaround if you choose trending products.
  • Low upfront costs compared to traditional businesses.
  • Works well with seasonal products and limited-edition items.

Potential Earnings:

Some resellers earn $2,000 – $20,000 per month, depending on volume and strategy.

Conclusion

Making money with AliExpress, Alibaba, or Taobao is not only possible but highly profitable if done correctly. Whether you choose dropshipping, wholesale trading, affiliate marketing, or private labeling, each method offers different levels of risk and reward. The key to success is choosing the right strategy, researching market trends, and continuously optimizing your business.

Which method interests you the most? Let us know in the comments below!

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 5, 2025

Facebook is one of the most popular social media platforms in Cambodia and around the world, not just for social networking but also as a potential goldmine for making money online. Many people in Cambodia are already leveraging Facebook to ...Read more

Facebook is one of the most popular social media platforms in Cambodia and around the world, not just for social networking but also as a potential goldmine for making money online. Many people in Cambodia are already leveraging Facebook to generate thousands of dollars, whether through monetization, e-commerce, digital marketing, or community building.

Make Money From Facebook in Cambodia
Make Money From Facebook in Cambodia

If you are looking to make money online and explore ways to generate a steady income, Facebook offers multiple opportunities. In this article, we will discuss seven of the best ways to turn Facebook into a source of income, providing real-world strategies that can help you maximize your earnings.

1. Monetizing Facebook Videos and Pages

One of the most well-known ways to make money from Facebook is by monetizing your videos through Facebook’s in-stream ads. If you have a Facebook Page with a large following, you can apply for Facebook’s monetization program and earn money through ad placements in your videos.

To be eligible, your Facebook Page must meet the following criteria:

  • Have at least 10,000 followers
  • Accumulate 600,000 minutes of watch time in the last 60 days
  • Have at least five active videos
  • Follow Facebook’s community guidelines and monetization policies

Once approved, Facebook will insert ads into your videos, and you will receive a portion of the ad revenue based on the number of views and engagement. Many content creators in Cambodia, especially those producing entertainment, food, travel, and educational content, have successfully monetized their pages and earned thousands of dollars each month.

2. Selling Products and Services on Facebook Marketplace

Facebook Marketplace has transformed how Cambodians buy and sell goods online. This is an excellent platform for entrepreneurs looking to sell products directly to customers. You can sell a variety of items, including:

  • Fashion and beauty products
  • Electronics and gadgets
  • Handmade crafts and artwork
  • Home appliances and furniture
  • Food and beverage products

If you run a local business, you can set up a Facebook Shop, allowing customers to browse your catalog and make direct purchases. Many online sellers in Cambodia use Facebook Live to showcase products, interact with customers, and boost sales in real time.

To increase your chances of success, ensure that your product listings include high-quality images, engaging descriptions, and competitive pricing. Additionally, leveraging Facebook ads can help you target the right audience and maximize conversions.

3. Creating and Monetizing Facebook Groups

Another lucrative way to make money on Facebook is by creating and managing large, engaged communities through Facebook Groups. If you build a niche community around a specific interest—such as real estate, beauty, e-commerce, or business networking—you can generate revenue in various ways:

  • Selling advertising space: Businesses will pay to promote their products within your group.
  • Offering paid memberships: Charge a subscription fee for exclusive access to premium content or networking opportunities.
  • Affiliate marketing: Recommend products and earn commissions from sales generated through your group.

Successful Facebook Groups in Cambodia, such as buy-and-sell groups or business networking communities, can generate thousands of dollars per month through sponsorships and advertising deals.

4. Becoming a Facebook Ads Manager

With the increasing demand for online marketing, businesses in Cambodia are looking for experts to manage their Facebook advertising campaigns. If you have experience in digital marketing, you can offer services such as:

  • Running and optimizing Facebook ad campaigns
  • Creating engaging content for advertisements
  • Managing social media accounts for businesses
  • Analyzing and reporting ad performance metrics

Many Cambodian businesses, from small online shops to large corporations, rely on Facebook Ads to reach potential customers. By mastering Facebook’s advertising platform, you can charge clients a monthly fee or earn commissions based on the success of their campaigns.

5. Accepting Paid Promotions and Sponsorships

If you have a large and engaged Facebook following, brands and companies may be willing to pay you for promotions and sponsored posts. Influencer marketing is a rapidly growing industry, and businesses are eager to collaborate with Facebook users who have a strong presence in their niche.

To attract sponsorship opportunities, you should:

  • Build a loyal audience by consistently sharing valuable and engaging content
  • Maintain authenticity and only promote products relevant to your niche
  • Work with brands that align with your values and interests

For example, Cambodian influencers in fashion, tech, travel, and fitness often collaborate with companies for paid promotions, earning significant income through sponsorship deals.

6. Offering Facebook Page Management Services

Many business owners in Cambodia lack the time or expertise to manage their Facebook pages effectively. If you have strong social media management skills, you can offer page management services, which include:

  • Creating and scheduling content
  • Engaging with followers and responding to messages
  • Running Facebook ad campaigns
  • Analyzing and optimizing page performance

Some agencies and freelancers charge anywhere from $300 to $1,500 per month to manage Facebook pages for businesses. This is a great way to earn a steady income while helping businesses grow their online presence.

7. Earning Money Through Affiliate Marketing

Affiliate marketing is another profitable method to make money from Facebook. By promoting products or services through affiliate links, you can earn a commission on each sale made through your referral. Many e-commerce platforms, such as Amazon, Shopee, and Lazada, offer affiliate programs that allow you to generate passive income.

To succeed in affiliate marketing on Facebook, you should:

  • Create engaging content that highlights the benefits of the products you promote
  • Use Facebook Pages, Groups, or Ads to reach a wider audience
  • Choose high-demand products with attractive commission rates

Many Cambodians have turned affiliate marketing into a full-time income by strategically promoting products in Facebook Groups, running paid ads, and using influencer partnerships.

Start Your Facebook Business Today

Making money from Facebook is not just a dream—it is a reality for many Cambodians who have successfully turned their passion into profit. Whether you want to earn from Facebook’s monetization program, sell products, manage ads, or build a community, there are numerous opportunities to generate thousands of dollars.

The key to success is consistency, creativity, and understanding your target audience. Start by choosing one method that aligns with your skills and interests, and gradually expand your income streams as you gain experience.

If you have already started making money from Facebook, share your experience in the comments! What has worked for you, and what challenges have you faced? Let’s help each other grow in the world of online business!

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 4, 2025In:

Is Online Data Misleading? PM Hun Manet’s Urgent Advice to Researchers. In an era where digital resources are readily available, Cambodian Prime Minister Samdech Hun Manet has emphasized the importance of collecting data directly from the ground rather than relying solely ...Read more

Is Online Data Misleading? PM Hun Manet’s Urgent Advice to Researchers.

In an era where digital resources are readily available, Cambodian Prime Minister Samdech Hun Manet has emphasized the importance of collecting data directly from the ground rather than relying solely on Google. His remarks, made during the opening ceremony of the “Cambodia Vision Conference 2025 on Cambodia’s New Growth Strategy,” highlight the necessity of accurate, context-specific research in policy formulation. This blog post explores why the Prime Minister’s advice is crucial for Cambodia’s sustainable development and the implications of data-driven policymaking.

Is Online Data Misleading PM Hun Manet’s Urgent Advice to Researchers
Is Online Data Misleading PM Hun Manet’s Urgent Advice to Researchers

The Dangers of Relying on Incorrect Information

PM Hun Manet strongly warned against the reliance on unverified digital sources, stating: “If the information we collect is wrong, the decisions will be wrong, the policy formulation will be wrong, and it will cause us a lot of losses.” His concern is well-founded—flawed data leads to misguided policies, inefficient resource allocation, and ineffective interventions.

For instance, policies based on outdated or generalized online statistics may not reflect the current realities of Cambodia’s economic, social, and environmental landscape. By prioritizing ground-level data collection, researchers can ensure that policy decisions align with real-time conditions and needs.

The Importance of Primary Data Collection

The Prime Minister stressed that primary data collection through surveys, field research, and direct consultations with relevant stakeholders is vital. He emphasized that without firsthand information, the government risks overlooking critical areas that require intervention. Regular visits, scientific studies, and sector-specific surveys ensure that the collected data accurately represents the local context.

One example of this approach is Cambodia’s agricultural sector. Policymakers cannot rely on global agricultural reports alone to shape local farming policies. Instead, they must gather firsthand insights from Cambodian farmers, assess soil conditions, and study market demands. This ensures that policies directly address farmers’ challenges and contribute to food security and economic stability.

Customizing Policies to Cambodia’s Needs

Another key takeaway from Hun Manet’s speech was his assertion that Cambodia should not blindly adopt policies designed for other nations. “We cannot copy the policies that the World Bank has written for other countries to implement in Cambodia,” he stated. While global best practices can serve as references, every country has unique socio-economic conditions, cultural contexts, and development priorities.

For example, Cambodia’s labor market policies must consider factors like demographic trends, urban migration, and skill development. Simply implementing models from Western economies without adapting them to Cambodia’s realities would result in ineffective labor strategies. The only way to craft relevant policies is through localized data collection and analysis.

Ensuring Scientific and Sector-Specific Analysis

PM Hun Manet also highlighted the need for scientific and sector-specific analysis in policy development. He cautioned against cross-sector misapplications of data, stating: “Don’t take data from the manufacturing sector and go to assess the sentiment and desires of the service sector.” Each industry has distinct challenges and opportunities, necessitating tailored research approaches.

For instance, analyzing consumer sentiment in Cambodia’s hospitality industry requires direct engagement with tourists, hotel operators, and travel agencies. Using generalized economic data from unrelated industries would lead to misguided conclusions and ineffective tourism policies.

The Role of CDRI in Research and Policy Formulation

The Prime Minister acknowledged the Cambodian Development Research and Training Institute (CDRI) as an essential institution in the country’s research and policy framework. Described as Cambodia’s “brain bank,” CDRI has played a significant role in collecting and analyzing data for over 35 years. Its contributions to policy discussions, such as those in the Cambodia Vision Conference 2025, help shape the nation’s long-term development strategies.

The 2025 conference aimed to evaluate Cambodia’s economic performance and identify priority areas for improvement. By facilitating dialogue among national and international experts, the conference underscores the importance of evidence-based policymaking in a rapidly changing global landscape.

Avoiding Sentiment-Based Policy Decisions

Another critical point made by PM Hun Manet was the warning against sentiment-based policymaking. “Do not use sentiment analysis as a basis for policy making,” he stated. Emotional or anecdotal perspectives, while valuable in understanding public opinion, should not be the primary drivers of national policies.

Instead, Cambodia’s policy framework must rely on data-driven insights. This requires continuous monitoring and supervision of policy implementation, allowing adjustments based on tangible results rather than speculative assumptions.

A Future Built on Reliable Data

PM Hun Manet’s message is clear: Cambodia’s development relies on accurate, localized, and scientifically grounded data collection. By prioritizing ground-level research, policymakers can craft informed and effective strategies that truly address national needs. As Cambodia continues its journey toward sustainable growth, ensuring the integrity of its research and data collection practices will be key to successful governance.

The challenge now lies in implementing these principles across all sectors. Researchers, policymakers, and institutions like CDRI must work together to uphold data quality standards and drive Cambodia’s progress forward.

What are your thoughts on this approach to policymaking? Do you think ground-level data collection is the key to effective governance? Share your views in the comments!

Read less
Angkor Times
Angkor TimesExperienced
Asked: March 3, 2025In: ,

In the May 3 edition last year, The Economist came out with a scary headline: ‘The global financial system is in danger of fragmenting’. The context was different, but it was very much an essential reflection of what the global ...Read more

In the May 3 edition last year, The Economist came out with a scary headline: ‘The global financial system is in danger of fragmenting’. The context was different, but it was very much an essential reflection of what the global economy has been going through. Contrast that with Cambodia. The Kingdom withstood the inevitable shocks and overcame them in many departments. Much of the credit goes to the sagacious measures initiated by the National Bank of Cambodia. In fact, the banking sector has turned into a bulwark and a pillar of economic stability. In tune with the Royal Government’s policy to stimulate economic activity, NBC has allowed banking and financial institutions to negotiate loan repayment terms. According to data from NBC, in 2024, the total assets of banking institutions surged by 8.2 percent, loans by 3.3 percent. By any measure it’s not a minor achievement.

National Bank of Cambodia Governor Chea Serey
National Bank of Cambodia Governor Chea Serey

Cambodia’s banking sector has proven resilient and trustworthy, serving as a key pillar of economic stability despite global uncertainties and domestic challenges. Backed by prudent regulatory measures and strong public confidence, the sector continues to play a vital role in supporting economic recovery. While credit growth has slowed amid cautious lending and weaker demand, robust deposit inflows, high liquidity, and ongoing reforms highlight the sector’s ability to withstand external shocks and adapt to evolving financial landscapes.

According to the 2024 Annual Report and 2025 Work Plan of the National Bank of Cambodia (NBC), the banking system in Cambodia comprises 59 commercial banks, nine specialized banks, four deposit-taking microfinance institutions, 85 non-deposit-taking microfinance institutions, 114 rural credit institutions, 13 third-party processors, four payment service providers, 30 payment agents, one credit information-sharing system provider, five foreign bank representative offices, and 3,327 foreign exchange businesses.

The system’s total assets grew by 7 percent, reaching 369.4 trillion riels ($91.1 billion). The banking sector accounted for 93.2 percent of total banking system assets, followed by the microfinance sector at 6.4 percent and the financial leasing sector at 0.4 percent.

Credit increased by 3 percent to 242.9 trillion riels ($59.9 billion), while deposits — the main source of funds — grew by 16.3 percent to 230.9 trillion riels ($57 billion). Capital also saw an increase of 5.2 percent, reaching 40.5 trillion riels ($10 billion).

On the banking system, Governor of NBC Chea Serey said that credit continues to grow, albeit at a slower pace. This decline is attributed to both demand and supply factors. On the demand side, the slow recovery of certain sectors such as construction and real estate, tourism, and wholesale and retail has led customers to reduce borrowing.

On the supply side, banking and financial institutions have adopted a more cautious approach to providing credit due to heightened uncertainty in regional and global economies, she explained.

However, deposits continued to grow robustly at a rate of 16.3 percent, supported by a strong capital position and high liquidity, indicating that the banking system remains resilient and enjoys strong public confidence, she added.

In alignment with the Royal Government’s policy to stimulate economic activity—particularly to alleviate the financial burden on businesses and individuals facing difficulties—NBC has allowed banking and financial institutions to negotiate loan repayment terms with customers. To facilitate the effective implementation of this policy, some regulations have been further relaxed, while maintaining the stability of the banking system as a top priority.

“Key measures include keeping the reserve requirement ratio at a low level of 7 percent and implementing a capital conservation buffer ratio of 1.25 until the end of 2025. These measures enable banking and financial institutions to maintain higher liquidity to continue lending to customers,” Serey said.

Recently, there has been an increase in informal financial services, including credit services offered via mobile phones and social media, often accompanied by impersonation of government officials or official accounts of ministries and institutions.

These actions have caused public confusion and significant social consequences, including excessively high interest rates, unfair contract enforcement, exploitation of borrowers, and intimidation—leading many individuals into excessive debt.

Additionally, NBC has collaborated with relevant ministries and institutions to enhance monitoring and support for the real estate, tourism, and agriculture sectors, she said, adding that, efforts have also been made to raise public awareness of financial issues, particularly the growing prevalence of illegal online loans by fraudsters, which pose significant threats to society and household economies.

Overall, over the past two decades, NBC and the country’s banking system have undergone significant reforms and continuous modernization in line with international standards, Serey said.

These efforts have strengthened the foundation for maintaining financial stability, supporting economic growth, and withstanding external shocks.

“Despite recent global crises, the banking system has demonstrated resilience and progress. In the context of low credit growth over the past two years, NBC remains capable of introducing necessary accommodative measures.

“These measures include fully easing capital buffer requirements and maintaining the reserve requirement ratio at a low level until the end of 2025, enabling banking and financial institutions to maintain high liquidity for providing credit, as well as restructuring loans to support businesses and ease the burden on individuals facing temporary repayment difficulties,” Serey said.

Amid heightened global economic uncertainty, NBC has reinforced its risk monitoring and assessment of the banking system’s stability, as well as its supervision of individual banking and financial institutions. The integration of banking and financial institutions has been encouraged to enhance business resilience.

Furthermore, consultations with relevant stakeholders have been held to gather comprehensive input for the formulation of specific micro- and macro-prudential measures to manage risks and prevent crises.

“As the economic and financial sectors become increasingly interconnected, collaboration among all stakeholders is essential to strengthen risk management mechanisms and improve crisis prevention and resolution,” Serey said.

To further enhance the resilience of the banking system and support the Royal Government’s strategy for developing the informal economy, NBC has encouraged banking and financial institutions to open accounts and provide payment services for micro, small, and medium-sized enterprises (MSMEs) and self-employed individuals.

The Financial Transparency Corridor (FTC) has been developed as a digital infrastructure to establish pre-agreements between banking and financial institutions in Cambodia and partner countries.

This corridor aims to facilitate cross-border trade and financial services for MSMEs, enabling them to match supply and demand, expand market reach, and improve access to cross-border financing through information sharing among banking and financial institutions in partner countries.

NBC & banking sector

According to data from NBC, in 2024, the total assets of banking institutions increased by 8.2 percent to 342.8 trillion riels ($84.6 billion). Loans rose by 3.3 percent to 220.1 trillion riels ($54.3 billion), reaching 2.4 million accounts.

Loans were primarily distributed across key sectors of the economy, including retail trade (16.9 percent), home ownership (12.5 percent), real estate trading (11.6 percent), personal lending (10.1 percent), construction (9.7 percent), agriculture, forestry, and fishing (8.9 percent), wholesale (8.8 percent), manufacturing (4.3 percent), hotels and restaurants (4.0 percent), and others (13.2 percent).

The average interest rate on deposits in riel and US dollars decreased to 5.71 percent and 5.18 percent, respectively, lower than the rates in 2023 (6.74 percent and 5.64 percent). Meanwhile, the average interest rate on loans increased to 12.11 percent for riel and 10.30 percent for US dollars, compared to 12.05 percent and 9.92 percent in 2023.

Sok Chan, Head of Financial Inclusion and Public Relations at the Association of Banks in Cambodia (ABC), told Khmer Times that, compared to 2022 and 2023, the ABC has observed that credit growth in the banking sector has recovered at a slower pace in 2024.

Several factors, particularly the lingering effects of the Covid-19 crisis, global economic uncertainty, and geopolitical instability, have directly and indirectly impacted key sectors of the Cambodian economy, such as real estate, construction, and tourism, Chan said. He added that these factors have further affected the banking sector.

Both demand and supply factors are crucial to the slow credit growth. On the demand side, the slow recovery of sectors like construction, real estate, tourism, and wholesale and retail has led to reduced borrowing, Chan explained. On the supply side, banking and financial institutions have become more cautious about extending credit amid high regional and global economic uncertainty, he added.

When asked whether low credit growth is detrimental to the banking sector—whether it signals maturity or resilience—Chan said that Cambodia’s banking and financial institutions (BFIs) continue to remain resilient, maintaining prudential ratios such as the capital adequacy ratio, liquidity framework ratio, and adhering to the applicable regulations set by the National Bank of Cambodia (NBC).

Despite reduced profitability due to additional provisions for losses and a significant rise in the cost of funds and operating expenses, the banking sector remains stable, Chan said. He noted that the growth rate of the sector will not mirror the 20-30 percent growth seen before the Covid-19 era. “Currently, growth in the range of 7 percent to 10 percent is considered a good sign, indicating that the sector remains resilient and strong. Despite the challenging and volatile situation, the banking sector continues to provide credit across all sectors, maintaining resilience and public confidence,” Chan said.

“The banking and financial sector continues to make significant contributions to supporting and developing the economy and improving the financial environment. Banking and financial institutions have expanded their operational networks and diversified their financial products and services, enhancing operational efficiency,” he added.

This expansion includes the opening of 2,739 branches across the capital and provinces, the deployment of 5,896 automated teller machines (ATMs), and the provision of financial services through electronic, internet, and mobile platforms, according to Chan.

In response to a question about what measures ABC will take to strengthen the banking sector and enhance its resilience, Chan said that under NBC’s leadership, ABC works closely with its 75 member institutions to ensure compliance with the laws and regulations set by NBC and the Royal Government. The association also works to strengthen self-regulation within the banking sector.

“To ensure the long-term development and resilience of the financial sector, promoting and enhancing consumer protection remains a core agenda of the association. ABC has introduced several initiatives aimed at building trust, supporting financial education, alleviating financial burdens, addressing consumer debt issues, and promoting responsible lending practices,” he said.

According to Chan, key initiatives include the Banking and Financial Institutions Code of Conduct (BFI Code of Conduct) which established operating standards for banking and financial institutions to promote efficiency, trust, accountability, and responsible business practices.

Loan Guidelines help protect customers from the risk of over-indebtedness and mitigate potential risks to the banking and financial sector. Credit Contract Standards encourage fair competition, product and service transparency, and enhanced consumer protection.

Responsible Lending Certificate Program provides credit officers and approval officers with training on ethical principles, consumer protection, and responsible lending practices.

Complaints Mechanism Framework and Complaints Hotline facilitates transparent and efficient complaint resolution for consumers.

Financial Consumer Center (FCC), which will be established soon, will offer financial education, complaint resolution services, a hotline, and debt mediation support.

Additionally, ABC has developed financial education content for the public and has partnered with NBC to promote the use of formal financial services across the country.

Microfinance sector

According to NBC’s report, the total assets of microfinance institutions (MFIs) in 2024 reached 25.6 trillion riels ($6.2 billion). Of this, loans increased by 1.9 percent to 21.4 trillion riels ($5.3 billion), with 1.6 million accounts.

These loans were primarily distributed across key economic sectors, including household units: 32.8 percent, agriculture: 20.8 percent, trade and commerce: 20.1 percent, services: 11.8 percent, construction: 6.7 percent, transportation: 2.7 percent, Manufacturing: 2.7 percent, and others: 2.4 percent.

The average interest rate on deposits in MFIs declined to 6.44 percent for riel and 6.51 percent for US dollars, down from 7.27 percent and 7.65 percent in 2023, respectively. Meanwhile, the average interest rate on loans decreased to 16.64 percent for riel and 14.25 percent for US dollars, compared to 16.91 percent and 14.69 percent in 2023.

Dith Nita, Chairwoman of the Cambodia Microfinance Association (CMA), stated that the microfinance sector has played a crucial role in Cambodia’s economic and social development by offering financial services, particularly credit while prioritizing responsible customer protection.

“It has expanded financial access to all segments of the population, especially low-income families and those in remote areas, enabling them to secure adequate financial resources to support their livelihoods,” Nita said.

Despite its progress, Cambodia’s microfinance sector continues to face several challenges. These include criticism from NGOs and foreign media, unethical practices by some institution staff, weak governance and internal controls, inconsistent application of consumer protection principles and regulations, and low financial literacy among clients. The growing presence of informal lending has also raised concerns.

“However, I remain optimistic that through collaborative efforts from all stakeholders—under the leadership of NBC and the United Nations in Cambodia, as announced in 2024—the microfinance sector will be able to address these challenges and continue its sustainable growth,” Nita said.

To address these issues, the CMA has launched key initiatives and continues to work closely with regulators, development partners, and member institutions. In 2024, the Association introduced several measures, such as the Code of Conduct for Banking and Financial Institutions, Credit Provision Rules, Credit Contract Standards and Standard Clauses, and the Code of Conduct for Equitable Lending.

Sok Voeun, Chief Executive Officer of LOLC (Cambodia) Plc and Vice Chairman of CMA, highlighted the sector’s significant contributions to economic growth, social development, and poverty reduction in Cambodia.

Among the major accomplishments of the past year, the CMA and the broader microfinance sector successfully implemented the Code of Conduct for Banking and Financial Institutions, Credit Provision Rules, Credit Contract Standards and Standard Clauses, and the Code of Conduct for Equitable Lending, he said.

Furthermore, the Association organized regional workshops, provided training for CEOs and board members, and carried out community-based financial security projects, Voeun added.

“These initiatives would not have been possible without the contributions, support, and cooperation of all stakeholders, particularly the dedicated members of the Association,” Voeun said.

Positive development, but…


Speaking to Khmer Times, Hong Vannak, an economic researcher at the Royal Academy of Cambodia, explained that the data indicates a decrease in the number of borrowers, yet an increase in the overall amount of credit extended

From a broader macroeconomic perspective, this shift is seen as a positive development for Cambodia’s economy, suggesting a more cautious and purposeful approach to borrowing, he added.

“When the number of borrowers is low but the amount of credit is large, it is a good thing. This suggests that fewer citizens are borrowing as much as before, and the funds are being used for business, purchasing cars, and other purposes,” Vannak said.

He noted that this shift reflects a growing trend of investment rather than consumption. Fewer people are taking out loans, but those who do are using them for productive purposes rather than for non-essential spending.

“Currently, most loan users are investing in enterprises to improve or increase production, among other things,” Vannak continued. This signals a change, with businesses focusing more on growth and development through borrowed capital.

“This is a positive sign, indicating that small and medium-sized enterprises (SMEs) are gaining momentum. If the loans are used effectively, SMEs will grow, leading to increased production, job creation, and overall benefits for the national economy,” Vannak added.

He stressed that the growth of SMEs could have a far-reaching impact on Cambodia’s economic landscape, fostering innovation, job creation, and boosting national productivity. This could ultimately contribute to a more robust and resilient economy in the future.

This article is firstly published on Khmer Times

Read less
Angkor Times
Angkor TimesExperienced
Asked: February 27, 2025In: , ,

Top Skills Cambodian Youth Need to Make Money Online! With the rise of digital technology and global connectivity, making money online has become more accessible than ever for Cambodian young people. Whether you are a student, a fresh graduate, or ...Read more

Top Skills Cambodian Youth Need to Make Money Online!

With the rise of digital technology and global connectivity, making money online has become more accessible than ever for Cambodian young people. Whether you are a student, a fresh graduate, or someone looking to change careers, learning the right digital skills can help you tap into online opportunities and generate income from anywhere.

Want to Make Money Online? Learn These Essential Skills!
Want to Make Money Online? Learn These Essential Skills!

This blog post explores the most important skills that young Cambodians should learn to succeed in the digital world.

1. Website Development

Website development is one of the most in-demand skills in the digital world. Businesses, organizations, and individuals need well-designed websites to establish their online presence, and developers can make money by building and maintaining these websites.

What You Need to Learn:

  • HTML, CSS, and JavaScript – These are the fundamental languages used to create and design websites.
  • WordPress Development – Many businesses use WordPress as their website platform, and learning how to customize themes and plugins can help you secure projects.
  • Frontend and Backend Development – Understanding frameworks like React.js, Vue.js (frontend), and Node.js, PHP, Python, or Laravel (backend) can boost your earning potential.
  • E-commerce Website Development – Platforms like Shopify, WooCommerce, and Magento are widely used for online stores, and mastering these can help you attract clients in need of e-commerce solutions.

How to Make Money:

  • Freelancing on platforms like Upwork, Fiverr, and Freelancer.
  • Building and selling website templates or themes.
  • Offering website maintenance services to businesses.
  • Creating and selling online courses on web development.

2. Mobile App Development

As more businesses and individuals use mobile apps for their services, the demand for mobile app developers is growing rapidly. Developing apps for Android and iOS can be a lucrative skill for young Cambodians.

What You Need to Learn:

  • Programming Languages – Learn Java, Kotlin (for Android), Swift (for iOS), or Flutter and React Native for cross-platform development.
  • UI/UX Design – Understanding user experience and interface design is crucial for creating successful mobile apps.
  • App Monetization Strategies – Learn about in-app purchases, advertisements, and subscription models.
  • Backend Development – Knowing how to create APIs and databases to support app functionality is essential.

How to Make Money:

  • Developing and selling apps on Google Play Store or Apple App Store.
  • Offering freelance app development services.
  • Creating custom apps for local businesses.
  • Developing apps for international clients on freelancing platforms.

3. Content Creation

Content creation is one of the most popular ways to make money online. If you enjoy creating videos, writing, or designing animations, you can monetize your skills in different ways.

What You Need to Learn:

  • Video Promotion & Editing – Tools like Adobe Premiere Pro, Final Cut Pro, and DaVinci Resolve can help you create high-quality videos.
  • Animation – Learn software like Blender, After Effects, and Toon Boom to create animations.
  • Content Writing – Writing for blogs, websites, and e-books requires skills in research, SEO, and storytelling.
  • Social Media Content – Platforms like Facebook, TikTok, Instagram, and YouTube require engaging content to attract audiences.

How to Make Money:

  • Starting a YouTube channel and monetizing through ads and sponsorships.
  • Freelance content writing for blogs, websites, and businesses.
  • Creating and selling digital e-books and courses.
  • Offering video editing and animation services to businesses.

4. Digital Marketing

Businesses and brands need digital marketing strategies to grow their online presence, and skilled digital marketers are in high demand.

What You Need to Learn:

  • Social Media Management – Learn how to manage pages, create engaging content, and analyze performance metrics.
  • Online Community Management – Engaging with audiences and growing online communities.
  • Digital Marketing Strategy Development – Understanding market trends, competitors, and consumer behavior.
  • Online Advertising – Running ads on Facebook, Instagram, Google Ads, and TikTok Ads.
  • Search Engine Optimization (SEO) – Learning how to rank websites higher on Google search results.

How to Make Money:

  • Offering freelance digital marketing services to businesses.
  • Running social media accounts for companies and influencers.
  • Becoming an affiliate marketer and earning commissions on product sales.
  • Starting an online business and promoting your products through digital marketing strategies.

5. Graphic Design

Graphic design is another valuable skill that allows you to create visual content for businesses, social media, websites, and branding purposes.

What You Need to Learn:

  • Logo Design – Learn how to create professional logos using Adobe Illustrator, CorelDRAW, or Canva.
  • Company Profiles & Branding – Businesses need well-designed company profiles, business cards, and promotional materials.
  • Posters, Banners, and Social Media Graphics – Creating eye-catching visuals for online and offline marketing campaigns.
  • UI/UX Design – Designing user-friendly interfaces for websites and apps.

How to Make Money:

  • Freelancing on platforms like Fiverr and Upwork.
  • Selling design templates, logos, and business cards online.
  • Offering branding and design services to startups and businesses.
  • Creating and selling print-on-demand products like t-shirts, mugs, and posters on websites like Redbubble and Teespring.

Conclusion

The digital world offers endless opportunities for Cambodian young people to make money online. Whether you choose website development, mobile app development, content creation, digital marketing, or graphic design, mastering these skills can help you build a successful online career.

Start by learning one or more of these skills through free and paid online courses, practice consistently, and take advantage of freelancing platforms to find work. With dedication and continuous improvement, you can turn your skills into a reliable source of income and achieve financial independence.

What skill are you most interested in learning? Let us know in the comments below!

Read less