About Us | First Finance Plc
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    First Finance Plc was a joint venture company established between Cambodia-based First Home Plc, Singapore-based Phillip Capital, Luxembourg-based Insitor Fund, Cambodia-Laos Development Fund, and Norway-based Norfund. The Company was taken over 100 percent by local shareholder in June 2022.

    First Finance Plc obtained its license on 23 April 2009 from the National Bank of Cambodia and became the first financial institution to specialize in affordable housing finance in Cambodia. The company is focused on providing long-term affordable housing finance such as Home Loans, Home Improvement Loans, and medium-term Home Equity Loans to underserved low and middle-income Cambodian households who have little-to-no access to formal housing financial services. Most commercial banks only offer services to wealthier Cambodians.

    Our Vision

    To help low-middle-income families in Cambodia live in dignity, security, happiness, and stability through home ownership.

    Our Mission

    To build the economic stability of low-income Cambodian families by increasing access to home ownership through the provision of finance.

    ​​​​​​​Core Value

    In order to see our clients achieve the vision of First Finance, we are honest and transparent in everything we do.
    We are always close enough to care for and respond to our client’s needs. We take ownership of our actions, and we’re open to feedback.

    We are creative in finding efficient solutions to better serve our clients.

    Social Justice
    We take pride in being respectful, professional, and treating our clients fairly.

    We strive to be the best at what we do.


    To First Finance family members (all staff and management), it means each of us should always try to do more and be better than what we used to be. Be honest, transparent, responsive to our colleagues and the clients we serve. Be creative in carrying out our daily chores to be efficient and better serve our clients. Together, we excel in our careers and RISE standards for social justice in Cambodia.

    To First Finance clients, by believing and carrying out IRISE, they can RISE their standards of living and live in dignity, security, happiness, and stability through homeownership.​​​​​​​

    Value Proposition ​​​​​​​

    The vast majority of Cambodian households have no access to formal housing finance. While commercial banks have begun to offer home loan products, they are more focused on wealthier Cambodians.

    First Finance provides customers with loan products/services specific to their needs, and with requirements that are in line with the realities of Cambodia. Further, customers can meet directly with our credit consultants in order to fully understand our products, as well as to receive assistance about the legal processes associated with purchasing their first home.

    Corporate Philosophy

    Our corporate philosophy is very simple:
    ​​​​​​​We think like customers and act like owners.

    Our approaches are even simpler:

    ​​​​​Market driven products and services

    Simplified procedures and quick processing

    Flexibility and transparency in operations

    Integrity and ethics in all business practices