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SMART Campaign awards Client Protection Certification to Amret

Jul 04, 2018

On July 11, 2016, Amret was awarded the Client Protection Certification from the SMART campaign. The certificate confirms Amret’s dedication to treating its clients responsibly and protecting them from harm. It represents Amret’s respect for the seven client protection principles, namely: appropriate product design and delivery, prevention of over indebtedness, transparency, responsible pricing, fair and respectful treatment of clients, privacy of client data and mechanisms for complaint resolution.

Amret began the process of certification in 2014, initially carrying out a self-assessment and then working on the gaps identified with support from Microfinanza TA. It then applied for the certificate in December of 2015, with M-CRIL (Micro-Credit Ratings International Ltd) carrying out the rating.

Amret is very proud of this milestone achievement, and is the first institution of the Advans group to be SMART certified.

“We feel privileged to have received SMART Certification,” Mr Chea Phalarin, Amret’s CEO declared.

“With this achievement, Amret will keep on looking to improve its products and services so as to better serve our customers, continuing in our mission to create positive impact on clients’ living standards and contribute to Cambodian economic and social development. We strongly believe that initiatives like the SMART campaign help to render the microfinance industry more accountable and sustainable. We would like to thank the AFD, the Cambodian Microfinance Association, the Smart Campaign and other stakeholders and partners who have supported us in obtaining Client Protection Certification.”

About Amret

Amret Co. is a leading microfinance institution in Cambodia serving micro-, small- and medium-sized enterprises and low to middle‐income populations with a focus on rural areas. Amret offers a wide range of loan and deposit services including solidarity credits, individual credits, SME loans, savings accounts and term deposits.


Amret currently has over 3,500 staff and serves over 397,000 clients from 138 branches across Cambodia, with more than $204 million in outstanding deposits and more than $424 million in outstanding loans and total assets of $490 million. For more information, please visit


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