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Know what you actually earn, and what a loan actually costs
Financial Literacy for Farmers & SMEs
ចំណេះដឹងហិរញ្ញវត្ថុសម្រាប់កសិករ និងអ្នកជំនួញ
Is this you?
If two or more of these sound familiar, this service was built for you.
- You sell a lot and somehow there is never anything left.
- You took a loan and are not certain what it is really costing you.
- The money from a sale is gone before you have worked out where it went.
- You do not know which crop or which line of goods actually makes money.
- When something goes wrong, borrowing more is the only option you have.
What you get
- A four-hour half-day session in Khmer
- A way of keeping records simple enough that you will actually keep them
- How to work out the real profit on what you sell
- How to work out what a loan costs before you agree to it
- The difference between borrowing and taking a partner, and when each is right
- Printed Khmer forms to take home
How it works
What happens after you press the button.
-
You book a place
Your name, your phone number and what you grow or sell.
២ នាទី · 2 min -
Bring your own numbers
A notebook, receipts, or even just what you can remember. We work on your figures, not on examples.
នៅថ្ងៃនោះ · on the day -
First half — where your money goes
Record keeping, real profit, and separating business money from household money.
២ ម៉ោង · 2 hrs -
Second half — borrowing and saving
What a loan really costs, when to take one and when not to, and how to build a reserve for when something goes wrong.
២ ម៉ោង · 2 hrs
Is this the right fit?
This is for you if
- You sell something — a crop, livestock, goods or a service
- You have borrowed money or are thinking about it
- You need no accounting background and no English
This is not for you if
- You need someone to look at your business figures privately Start here instead →
- You are on a cooperative committee and need cooperative financial systems Start here instead →
- This is personal and household money rather than money from selling Start here instead →
What changes
Who delivers it
A Certified Bodhi Advisor
Every Bodhi advisor is trained, examined and levelled before they take a client. When you apply, we match you to the advisor whose specialty, province and availability fit your business — you are never handed to whoever happens to be free.
See the advisor registry →Price and what is included
- The four-hour session in Khmer
- Working on your own figures, not on examples
- Printed Khmer record-keeping forms
- Private follow-up advice afterwards
- Help applying for a loan, or an introduction to a lender
- Capital or credit of any kind
Nothing is charged when you apply. We speak with you first to check this is the right fit, and payment is arranged after that by bank transfer or KHQR.
Common questions
I do not read and write well. Is this still for me?
Will you help me get a loan?
Is this investment advice?
Is my business too small?
Can you come to my village or cooperative?
Applying costs nothing and commits you to nothing. We call you first, and if this service is not right for your business we will say so and point you somewhere better — including somewhere free. No money moves before you have spoken to a person.
Not ready for this yet?
That is a normal answer, and it is better than paying for the wrong thing. Start with the free Business Health Check — it takes about 20 minutes and tells you which part of your business needs attention first.
Take the free Health Check →Other services you might need
Know what you actually earn, and what a loan actually costs
Two minutes to apply. We call you back to check the fit before anything is agreed.