Enhancing Cambodian Farmer’s Life and Wealth though our JC(Japan and Cambodia) financial platform.

Enhancing Cambodian Farmer’s Life and Wealth
through our "JC(Japan and Cambodia)"
financial platform.

JC Finance Plc. (JCF) is the “One and Only” financial service provider focusing on
“Agricultural Sector”, to support local farmers in Cambodia
We received the microfinance license from the National Bank
of Cambodia (NBC).

Enhancing Cambodian Farmer’s Life and Wealth though our JC(Japan and Cambodia) financial platform.

Our Impact

  • This is my first tractor.
    I could buy it because JC Finance provided
    a loan to me.
    I'm so excited about how much
    I can increase my harvesting amount this year.

    Mr. Nget Koeurn (Battambang Province)

  • I've bought 8 tractors in past 10 years,
    but I found the JC Finance's services were
    the best in Cambodia.
    So I chose JC Finance.

    Mr. Oeun Khom (Phnom Penh)

  • The tractor bought through loan
    from JC Finance replaced our power tiller plow,
    and it is increasing efficiency
    and mechanizing our farm production.

    Mr. Sem Tav (Takeo Province)

  • We had cultivated just to feed our family,
    but after buying tractor,
    we have plan to use our barren land
    and increase our products to supply the local market.

    Mr. Sreng Non (Kampong Cham Province)

  • My tractor has increased our family income
    by plowing other farmers’ lands.
    Thank you, JC Finance!

    Mr. Heng Sony (Phnom Penh)

  • The tractor has been helping me to save time
    and costs spent on manual labor.
    So I could start new business
    and increased my family income.

    Mr. Nhorm Chy (Battambang Province)

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Products and Features

  • Reasonable interest and down payment
    Reasonable interest and down payment

    Reasonable interest and down payment

    We will offer our loans with reasonable interest and down payment.
    All of our loans are secured by the agricultural machinery purchased by our customers.
    You can see our latest interest rate and the amount of down payment here.

  • Flexible repayment

    Most of microfinance institutions offer loan products with fixed repayment schedule, but we are not like them.
    We carefully analyze our customer's revenue sources and offer flexible monthly repayment schedules that perfectly tailored to each of the customers.

    Flexible repayment
    Flexible repayment
  • Fast delivery
    Fast delivery

    Fast delivery

    The customers, who apply our loan service to purchase agricultural machinery, can get their machinery delivery in 3-4 days after their application for the loan in the shortest.

  • Painless repayment

    We provide all of our customers with "Wing" account, the easiest way to repay their loans.
    “Wing”, the leading mobile banking servicer in Cambodia, is our strategic partner and we integrated our system with “Wing” to facilitate easy repayment for our customers who lives even far from the city.

    Painless repayment
    Painless repayment
  • Collateral enhancement
    Collateral enhancement

    Collateral enhancement

    Our mechanical engineering team has special knowledge and skills in agricultural machineries, and they help our customers in times they have troubles with their machineries.
    Our team is always ready to support our customers who suffer from financial difficulties by making use of the collateral reutilizing.




Meet Some of Our Team

At JC Finance,
we love what we do and we’re lucky to work with some really great people who are passionate about their jobs.
Browse through our team member spotlights to find out what it’s like to work at JCF.

  • Suguru Tomari

    Suguru Tomari


    Ikuo Kikuchi

    Ikuo Kikuchi

    Chairperson of Board of Directors

    Prum Hul Prum Hul

    Prum Hul

    Development Manager

    Soriya Lus Soriya Lus

    Soriya Lus

    Internal Auditor

    Vuthea Chea Vuthea Chea

    Vuthea Chea

    Collection and Recovery Manager

    YouYorng Yong YouYorng Yong

    YouYorng Yong

    Credit Manager

    Chanleakena Sourn Chanleakena Sourn

    Chanleakena Sourn


    Chhim Hoeung Chhim Hoeung

    Chhim Hoeung

    Credit Specialist

    Poung Kimheen Poung Kimheen

    Poung Kimheen

    Loan Servicing Specialist

We're always looking for talented people to join.
Please send your job inquiry from the following contact
form if you are interested in JCF.

  • Suguru Tomari


    After working in corporate sales at Sumitomo Mitsui Banking Corporation, Suguru moved to Cambodia to join a startup in 2012, and successively launched new businesses. He then founded JC FINANCE as a co-founder in 2016, appointed COO in July 2018 and CEO in February 2022 (current position).

  • Ikuo Kikuchi

    Chairperson of Board of Directors

    Ikuo has worked for a major Japanese company for a total of 27 years as a financial management professional and 15 years as an executive and top management. He has experience in establishing new businesses not only in Japan but also overseas. Most recently, he was the CEO of Something Vietnam Corporation, an overseas subsidiary of Something Holdings Group (JASDAQ Securities Exchange Listed Company). He was appointed CEO of JC FINANCE in June 2018 and Chairperson of the board of directors in February 2022.

  • Prum Hul
  • Prum Hul

    Development Manager

    Hul began his career in 2006 at Canadia Bank in Cambodia, where he gained a wide range of experience in the HR department, marketing department and branch managers. After that, he has worked as a GM and advisor for several financial and private corporations. Throughout his career, he has gained experience in working at both local and international banks such as Canadia Bank, RHB Bank ( Malaysian Bank), Prince Bank, TGC Cambodia.
    He then joined JC FINANCE in December 2021 as New Business Development Manager.

Prum Hul
  • Soriya Lus

    Internal Auditor

    Soriya is a key member of JC FINANCE. At the begging, she had taken care of accounting, bookkeeping and tax reporting tasks. And then, she would be responsible for audit and internal control processes. Her professional philosophies are “Respect yourself and others” and “Getting ready is the secret of success”. Her positive attitude at work is a good example for other JCF members.

  • Vuthea Chea

    Collection and Recovery

    Vuthea takes in charge to Collection and Loan Recovery. He always embraces or embodies the value of hard work, dedication, and the importance of building strong relationships. As a credit specialist and a member of JC Finance, he is expected to be a great leader in future.

  • YouYorng Yong

    Credit Manager

    Yorng has joined JCF since the start-up period and is currently a Credit Manager. He studied Finance & Management in university, and after that, he worked in some FIs as Credit Officer in various provinces. As his experiences, he got the trust of each members and has grown into a person who can consult with anything. He has the goal becoming an owner of large farm in the future through growing himself after work in JC JCF.

  • Chanleakena Sourn


    Leakena has been engaged in one of the most important business operations of JCF, loan repayment (collection) activities. She is highly committed and self-motivated professional with a strong sense of responsibility. So she achieved 100% of the collection/ repayment rate for 19 months in a row. Same as Vuthea, she also received 3 company awards of the year in 2018.

  • Chhim Hoeung

    Credit Specialist

    Hoeung has long experience in the financial industry. Most recently, he served as the Chief Credit Officer for a microfinance institution in Cambodia. After graduating from university, Hoeung studied Philosophy in Thailand/Taiwan and Business Management at Pannasastra University, Cambodia. Hoeung’s passion for improving himself and excellent personality makes him to be one of the “Great Brother” of JCF.

  • Poung Kimheen

    Loan Servicing Specialist

    Kimheen works in Loan Administration Team. Usually, Kimheen is a girl who loves sharing smiles with her friends. But, on the other hands, she is a strict working lady. She is tackling a pile of documents every day and conducts documentation process perfectly and controls the process accurately. She is also a good instructor for her team. Kimheen guides her team members how to prepare, conduct and check documents. By her effort, she has succeeded in increasing accuracy of the team process. She has a strong sense of responsibility and faith in her duty. She cultivates and develops herself and never give up. She has never gone home without finishing her task. Our sales activities are strongly supported by her contribution. Kimheen received a company award of the year in 2018.

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    Company Profile

    • Company Name
    • Business Category
      Microfinance Institution
    • Licence Number
    • Establishment
      January 17th,2018
    • Representative
      CEO Suguru Tomari
    • TEL
      +855(0)23 217 419
    • E-mail
    • Website
    • Headquarters
      No.56, Street 310, Sangkat Boeung Keng Kang I, Khan Boeung Keng Kang, Phnom Penh, Cambodia

    Office Location

    • office

    Office Location(Head Office)

    No.56, Street 310, Sangkat Boeung Keng Kang I, Khan Boeung Keng Kang, Phnom Penh, Cambodia

    Working Hours

    Monday - Friday 8:00AM - 5:00PM 
    Saturday 8:00AM - 12:00PM