KREDIT was originally formed under the agreement of World Relief, an International NGO, with the Ministry of Foreign Affairs. The organization became a Private Limited Liability Company in 2003 in response to the requirement of the Banking and Financial Institutions Act (2000) for organizations with a portfolio and clients above the stated threshold to become a licensed MFI in 2004. In 2010, KREDIT received another upgrade of license to Micro Deposit-Taking Institution (MDI) from the NBC.
Currently KREDIT has two shareholders with the ownership structure as follows:

Phillip MFIs Pte Ltd, A member of PhillipCapital Group

Phillip MFIs Pte Ltd, a member of the PhillipCapital Group based in Singapore, is a holding company for the Group’s long-term investments in Cambodia.
Since 1975, the PhillipCapital network has grown into an integrated Asian financial house with a global presence that offers a full range of quality and innovative services to retail and high net worth individuals, family offices, corporate and institutional customers.
Its comprehensive suite of financial products and services includes broking in securities, futures, foreign exchange, bonds, precious metals and commodities, unit trusts, contracts for difference, exchange traded funds; fund management, managed accounts, insurance planning, general and life insurance, wealth management, regular savings plans, investment research, equity financing and property consultancy. Institutions can also benefit from its corporate finance and advisory services as well as information technology solutions.
With more than 3,500 employees and over 1 million clients worldwide, the assets under custody/management totals to more than USD28 billion with shareholders' funds in excess of USD1 billion. PhillipCapital (with headquarters in Singapore) operates in the financial hubs of 16 countries, including offices in Malaysia, Cambodia, Indonesia, Thailand, Hong Kong, China, Japan, India, Sri Lanka, Australia, UAE, UK, France, Turkey and USA.

World Relief Corporation

World Relief, an international humanitarian and economic development NGO, works alongside local churches and communities on four continents to serve the most vulnerable. Partnering with like-minded organizations, World Relief extends its reach into many of the poorest and least developed nations on earth. It empowers and assists 2.8 million people annually. World Relief focuses on Maternal & Child Health, HIV & AIDS, Child Development, Human Trafficking, Agriculture and Food Security, Disaster Response, Enconomic Development and Microfinance in countries such as Burundi, India, Nicaragua, Cambodia, Indonesia, Rwanda, Kenya, South Sudan, Congo, Kosovo, Zambia, Sudan, Malawi, Haiti, and Mozambique.


LogoNumber of Shares%




 103,055  75.88




 32,753  24.12