Small​ Business​ Loan

• Conducting​ business​ in​ Cambodia​ with​ minimum​ 12​ months​ in​ operation
• ​Age​ of​ borrower​ must​ be​ over​ 18​ years​ and​ not​ exceeding​ 75​ years​ during​ loan​ tenor
• Soft​ title/strong​ title​ real​ estate​ property​ (in​ own​ name​ or​ in​ third​ party​ name)​ as​ collateral​ for​ the​ loan.
• No​ adverse​ repayment​ history.

While​ rendering​ banking​ services​ to​ clients​ in​ either​ lending​ operations​ and​ deposits​ or​ opening​ accounts​ with​ ABA​ Bank,​ its​ management​ and​ staff​ shall​ refrain​ from​ relationship​ with​ the​ following​ prohibited​ business​ and​ activities:​

1. Transaction​ using​ anonymous​ account​ and​ accounts​ in​ fictious​ name
2. Shell​ Company​ (company​ which​ has​ no​ physical​ presence)
3. Any​ person​ or​ entity​ mentioned​ in​ UN,​ EU​ and​ OFAC​ list​ and​ other​ as​ determined​ by​ senior​ management
4. Unregulated​ business​ such​ as​ private​ money​ lending,​ unlicensed​ money​ transmitting,​ etc.​ and​ business​ which​ produces​ or​ trades​ illegal​ products
5. Production​ or​ trade​ in​ weapons​ and​ munitions​ as​ such​ listed​ in​ appendixes​ of​ law​ on​ anti-terrorism
6. Production​ or​ trade​ in​ alcoholic​ beverages
7. Production​ or​ trade​ in​ tobacco
8. Gambling,​ casinos​ and​ equivalent​ enterprises
9. Trade​ in​ wildlife​ or​ wildlife​ products​ and​ product​ regulated​ under​ the​ Convention​ on​ International​ Trade​ in​ Endangered​ Species​ or​ Wild​ Fauna​ and​ Flora​ (CITES)
10. Production​ or​ trade​ in​ radioactive​ material
11. Production​ or​ trade​ in​ or​ use​ of​ unbounded​ asbestos​ fibers
12. Trading​ or​ purchase​ of​ logging​ equipment​ and​ commercial​ logging​ operations
13. Production​ or​ trade​ in​ pharmaceuticals​ subject​ to​ international​ phase​ outs​ or​ bans​ such​ as​ ozone​ depleting​ substances
14. Production​ or​ trade​ in​ pesticides/herbicides​ subject​ to​ international​ phase​ outs​ or​ bans
15. Production​ or​ trade​ in​ product​ containing​ polychlorinated​ biphenyls​ -​ a​ group​ of​ highly​ toxic​ chemicals​ which​ are​ likely​ to​ be​ found​ in​ oil-filled​ electrical​ transformers,​ capacitors​ and​ switchgear
16. Unsustainable​ fishing​ method​ -​ such​ as​ drift​ net​ fishing​ in​ the​ marine​ environment​ using​ nets​ in​ excess​ of​ 2.5​ km​ in​ length
17. Production​ or​ activities​ involving​ harmful​ or​ exploitative​ forms​ of​ forced​ labor​ or​ harmful​ child​ labor
18. All​ kinds​ of​ Ponzi​ or​ HYIP​ schemes,​ e.g.,​ Telex-free​ service
19. Cross-border​ trade​ in​ waste​ and​ waste​ products,​ unless​ compliance​ to​ the​ Basel​ Convention​ and​ the​ underlying​ regulations
20. Destruction​ of​ High​ Conservation​ Value​ areas​ which​ are​ defined​ as​ natural​ habitats​ where​ these​ values​ are​ considered​ to​ be​ of​ outstanding​ significance​ or​ critical​ importance (see​ http://www.hcvnetwork.org)
21. Pornography​ and/or​ prostitution
22. Racist​ and/or​ anti-democratic​ media
23. Transactions​ for​ or​ to​ facilitate​ the​ circulation,​ purchase,​ sales,​ settlement,​ and​ promote​ Crypto​ currencies,​ and​ any​ similar​ electronic​ commodities​ which​ are​ not​ certified/recognized​ by​ National​ Bank​ of​ Cambodia​ in​ whatever​ context.