Home   >   교민정보   >   [캄보디아 투자] 캄보디아 MFI 시장현황

[캄보디아 투자] 캄보디아 MFI 시장현황

기사입력 : 2014년 01월 03일

질문 115. 캄보디아에는 한국의 저축은행과 같은 소매금융업에 해당하는 마이크로 파이낸스업(MFI, Micro Finance Institute)의 시장현황은 어떤지요?

 

답변

2012년 12월 말 현재로 캄보디아 중앙은행(NBC, National Bank of Cambodia)에 등록된 MFI는 35개 회사로 대출 뿐만 아니라 예금도 받을 수 있는 규모가 큰 MFI는 7개가 있으며, 나머지 28개 회사는 대출만이 가능합니다.

133-1

위 표에서 알 수 있듯이 예금가능한 MFI는 규모 및 수익성면에서 보면 왠만한 상업은행(commercial bank)보다 훨씬 우량기업임을 알 수 있습니다. 대부분 규모가 큰MFI은 NGO(Non-governmaental Organization)의 형태로 시작되었으므로 외국인 지분의 비율이 큽니다.

반면 소규모 영세 MFI는 수익성이 낮으며 일반적으로 적자 경영을 하고 있는 실정입니다.  이것이 의미하는 바는 MFI를 운영하기 위해서 기본적으로 지출해야하는 고정비성 경비를 충당하지 못하는 경우에는 적자를 면하지 못합니다. 예를 들면 1백만불 정도의 대출이 있는 경우 월 이자수익을 2%로 가정하면 20,000불의 매출이 발생하나 외국인 대표이사 및 캄보디아 종업원 20명 인건비가 15,000불, 임대료 및 기타 일반관리비가 5,000불인 경우에 겨우 손익분기점에 도달할 수 있습니다.  더구나 순수 자본금이 아니라 차입금을 이용한 경우에는 이자도 지급을 해야 하므로 이익을 실현하기는 어렵게 됩니다.  즉, 적어도 2-3백만불 정도 규모 이상의 대출이 있어야만 안정된 사업을 할 수 있으므로 적은 규모의 자금으로 쉽게 접근할 수 있는 사업이 아닙니다.

따라서, 소규모 MFI가 생존하기 위해서는 저렴한 비용의 자금을 2-3백만불 이상의 규모로 조달을 하거나 M&A를 통하여 규모의 경제를 이용해야 할 것입니다.

MFI시장은 지속적으로 성장을 하고 있습니다. 2012년도 MFI 자산 총액은 1,073백만불로 2011년 대비 43%가 증가했으며, 대출총액은 886백만불로 전년 대비 38%가 증가 했으며, 예금총액은 274백만불로 전년 대비 141%가 증가를 했습니다.

/ (세법관련질의) 우리회계법인 고동호 회계사 (dhkoh99@gmail.com)

wooriaccounting.com

Share

244 Comments

  1. Pingback: Academic Partnerships (AP)

  2. Pingback: Business school in Egypt

  3. Pingback: future University application process

  4. Pingback: بيان شخصي لجامعة المستقبل

  5. Pingback: Medical Campaigns for pharmacy students at future university

  6. Pingback: Dental Continuing Education

  7. Pingback: جامعة المستقبل

  8. Pingback: Dental Certification

  9. Pingback: academic programs at the College of Engineering

  10. Pingback: engineering curriculum

  11. Pingback: IT Professionals

  12. Pingback: Dr. Hisham Qatamesh

  13. Pingback: virus C research

  14. Pingback: Mr. Essam Shiha

  15. Pingback: Pharmacognos

  16. Pingback: الممارسة الصيدلانية والصيدلة السريرية

  17. Pingback: https://www.kooky.domains/post/how-blockchain-works-with-web3-domains

  18. Pingback: Public Policy

  19. Pingback: ما هي أقسام كلية الصيدلة

  20. Pingback: Dental services

  21. Pingback: Oral cancer prevention

  22. Pingback: Endodontics

  23. Pingback: تغيير التخصص

  24. Pingback: Petroleum Engineering

  25. Pingback: استراتيجية كلية الهندسة في جميع مجالات ال

  26. Pingback: Computer Support Specialist

  27. Pingback: شراكات صناعة كلية الحاسبات بجامعة المستق

  28. Pingback: Professional Development Programs

  29. Pingback: Bachelor's Degree in Information Technology

  30. Pingback: The QS Stars system evaluates universities

  31. Pingback: التعليم المستمر حول اللثة

  32. Pingback: Pharmaceutical Analytical Chemistry

  33. Pingback: Academic programs

  34. Pingback: future University application form

  35. Pingback: المواعيد النهائية لتقديم الطلبات لجامعة 

  36. Pingback: Maillot de football

  37. Pingback: Maillot de football

  38. Pingback: Maillot de football

  39. Pingback: Maillot de football

  40. Pingback: Maillot de football

  41. Pingback: Maillot de football

  42. Pingback: Maillot de football

  43. Pingback: Maillot de football

  44. Pingback: SEOSolutionVIP Fiverr

  45. Pingback: SEOSolutionVIP Fiverr

  46. Pingback: SEOSolutionVIP Fiverr

  47. Pingback: SEOSolutionVIP Fiverr

  48. Pingback: strip led per scale interne

  49. Pingback: pannelli luci led

  50. Pingback: parcours d'obstacle

  51. Pingback: Fiverr Earn

  52. Pingback: Fiverr Earn

  53. Pingback: Fiverr Earn

  54. Pingback: Fiverr Earn

  55. Pingback: Fiverr Earn

  56. Pingback: Visualizza i prodotti

  57. Pingback: fiverrearn.com

  58. Pingback: fiverrearn.com

  59. Pingback: fiverrearn.com

  60. Pingback: fiverrearn.com

  61. Pingback: fiverrearn.com

  62. Pingback: Advance-Esthetic LLC

  63. Pingback: fiverrearn.com

  64. Pingback: fiverrearn.com

  65. Pingback: fiverrearn.com

  66. Pingback: shipping broker

  67. Pingback: clothes manufacturer

  68. Pingback: fiverrearn.com

  69. Pingback: fiverrearn.com

  70. Pingback: french bulldog

  71. Pingback: fiverrearn.com

  72. Pingback: fiverrearn.com

  73. Pingback: grey frenchie

  74. Pingback: french bulldog puppies san diego

  75. Pingback: micro bully

  76. Pingback: micro bully lifespan

  77. Pingback: dog kennel

  78. Pingback: jute rugs

  79. Pingback: seo in Canada

  80. Pingback: Sem

  81. Pingback: Piano Storage Units

  82. Pingback: Piano Disposal and Recycling

  83. Pingback: Piano Transport Company

  84. Pingback: Top university in Egypt

  85. Pingback: Private universities in Egypt

  86. Pingback: Best university in Egypt

  87. Pingback: Top university in Egypt

  88. Pingback: golf cart isla mujeres

  89. Pingback: blue merle french bulldog

  90. Pingback: mini frenchie for sale

  91. Pingback: french bulldog adoption

  92. Pingback: rescue french bulldog

  93. Pingback: french bulldog

  94. Pingback: can frenchies eat mango

  95. Pingback: bitcoin

  96. Pingback: vietnam visa requirements for us citizens

  97. Pingback: bikini

  98. Pingback: mini frenchie for sale

  99. Pingback: mail in cell phone repair

  100. Pingback: we buy broken phones

  101. Pingback: french bulldog puppies for sale tx

  102. Pingback: Children jewellery

  103. Pingback: top Samsung phones

  104. Pingback: future university

  105. Pingback: future university

  106. Pingback: future university

  107. Pingback: future university

  108. Pingback: isla mujeres rent a golf cart

  109. Pingback: seo company tampa

  110. Pingback: seo

  111. Pingback: puppy french bulldogs for sale

  112. Pingback: Fiverr

  113. Pingback: Fiverr.Com

  114. Pingback: top university Egypt

  115. Pingback: bulldog frenchie puppies

  116. Pingback: renting golf cart isla mujeres

  117. Pingback: lean six sigma

  118. Pingback: french bulldog for sale dallas

  119. Pingback: FUE

  120. Pingback: FUE

  121. Pingback: FUE

  122. Pingback: FUE

  123. Pingback: FUE

  124. Pingback: Competitive moving rates

  125. Pingback: Commercial moving

  126. Pingback: Moving assistance

  127. Pingback: Business leadership training in Egypt

  128. Pingback: Classic Books 500

  129. Pingback: FiverrEarn

  130. Pingback: FiverrEarn

  131. Pingback: Fiverr.Com

  132. Pingback: Free Local Classified Ads

  133. Pingback: Classified Ads Website

  134. Pingback: FiverrEarn

  135. Pingback: FiverrEarn

  136. Pingback: FiverrEarn

  137. Pingback: Training Philippines

  138. Pingback: Media

  139. Pingback: FiverrEarn

  140. Pingback: FiverrEarn

  141. Pingback: FiverrEarn

  142. Pingback: Sefton Playclub

  143. Pingback: pupuk terbaik adalah di pupukanorganik.com

  144. Pingback: Pupuk Organik terpercaya dan terbaik di pupukanorganik.com

  145. Pingback: pupuk cair terbaik

  146. Pingback: Pupuk Anorganik terbaik dan terpercaya melalui pupukanorganik.com

  147. Pingback: Unisex Modern Graphic Tees/Apparel

  148. Pingback: partners

  149. Pingback: ikaria lean belly juice

  150. Pingback: where to buy puradrop

  151. Pingback: IMMIGRATION AGENCY IN THIRUVALLA

  152. Pingback: Football

  153. Pingback: FiverrEarn

  154. Pingback: FiverrEarn

  155. Pingback: live sex cams

  156. Pingback: live sex cams

  157. Pingback: live sex cams

  158. Pingback: FiverrEarn

  159. Pingback: FiverrEarn

  160. Pingback: french bulldog breeders texas

  161. Pingback: FiverrEarn

  162. Pingback: FiverrEarn

  163. Pingback: FiverrEarn

  164. Pingback: FiverrEarn

  165. Pingback: FiverrEarn

  166. Pingback: FiverrEarn

  167. Pingback: FiverrEarn

  168. Pingback: FiverrEarn

  169. Pingback: Private University in Yemen

  170. Pingback: FiverrEarn

  171. Pingback: FiverrEarn

  172. Pingback: FiverrEarn

  173. Pingback: FiverrEarn

  174. Pingback: FiverrEarn

  175. Pingback: Farming

  176. Pingback: wix seo services

  177. Pingback: seo company johannesburg

  178. Pingback: seo company california

  179. Pingback: sns

  180. Pingback: agriculture

  181. Pingback: Slot Gacor

  182. Pingback: Scientific Research

  183. Pingback: Kampus Islam Terbaik

  184. Pingback: FiverrEarn

  185. Pingback: FiverrEarn

  186. Pingback: FiverrEarn

  187. Pingback: FiverrEarn

  188. Pingback: Generator Service Yorkshire

  189. Pingback: cheap sex cams

  190. Pingback: fullersears.com

  191. Pingback: canine probiotics

  192. Pingback: french bulldog buy

  193. Pingback: live sex cams

  194. Pingback: freeze dried candy

  195. Pingback: rare breed-trigger

  196. Pingback: Hosting

  197. Pingback: 늑대닷컴

  198. Pingback: Slot online mobile

  199. Pingback: nangs sydney

  200. Pingback: superslot

  201. Pingback: freelance web designer

  202. Pingback: allgame

  203. Pingback: 918kiss

  204. Pingback: หวย24

  205. Pingback: Cleanser

  206. Pingback: french bulldog fashion

  207. Pingback: pg slot

  208. Pingback: leak detection london

  209. Pingback: artificial intelligence attorney

  210. Pingback: cybersécurité

  211. Pingback: Raahe Guide

  212. Pingback: Raahe Guide

  213. Pingback: Raahe Guide

  214. Pingback: situs slot

  215. Pingback: download aplikasi slot

  216. Pingback: Book a relationship counsellor

  217. Pingback: catskills hotel

  218. Pingback: hotel on lake placid

  219. Pingback: evisa

  220. Pingback: 38/40 ammo

  221. Pingback: 6mm arc ammo

  222. Pingback: 300 win mag ammo

  223. Pingback: SaaS Law Firm

  224. Pingback: itsMasum.Com

  225. Pingback: itsMasum.Com

  226. Pingback: itsMasum.Com

  227. Pingback: hacker film

  228. Pingback: formation informatique gratuite

  229. Pingback: ecole 2600

  230. Pingback: apprendre le code

  231. Pingback: cybersécurité salaire

  232. Pingback: FÜHRERSCHEIN ÖSTERREICH

  233. Pingback: nangs delivery in Sydney

  234. Pingback: Nangs delivery

  235. Pingback: quick nangs delivery

  236. Pingback: itsmasum.com

  237. Pingback: itsmasum.com

  238. Pingback: roleplay chat

  239. Pingback: online chat

  240. Pingback: itsmasum.com

  241. Pingback: itsmasum.com

  242. Pingback: birmingham jobs

  243. Pingback: beijing jobs

  244. Pingback: istanbul jobs