Ms. Dith Nita

CEO of Camma Microfinance Limited

Entrepreneur Profile:

After graduation, Ms. Nita has worked as a Research Assistant at the Australian National University, Australia, before moving to Cambodia in 2008. In 2008, she started her business venture as a construction contractor and, later that year, as a private money lender. To get more credibility and expand the operation, she started to form a company and applied for a microfinance license from the National Bank of Cambodia, which was granted in July 2010. Ms. Nita has succeeded in her business ventures in both financial and construction industries.

Company Profile:

Camma Microfinance Limited is a private limited company. The word Camma, in Khmer language “ខេមា”, means well-being. The well-being of our clients is the well-being of our institute as well as the well-being of the society as a whole. Therefore, Camma has a vision to become a reliable microfinance institution which provides the Cambodian people with opportunities to improve their livelihoods through accessing the loans from Camma Microfinance. To achieve this vision, Camma has a mission to efficiently and sustainably provide a wide variety of microfinance services to entrepreneurs of small and medium enterprises (SMEs) who are farmers, handicraft entrepreneurs, and traders and ensure great benefits for shareholders, staff and the society as a whole. Our core value is to provide our clients with Excellent Service, Honesty, Transparency and Respect. We strive to gain competitive advantage through this core value.

Established in 2010 with 6 employees, Camma currently employs 60 staff and operates in Phnom Penh and Kandal province, providing loan products to customers. The loan products are micro loans (US$100 to US$4,000), small loan (US$4,001 to US$10,000) and medium loans (US$10,001 to US$50,000). As of 31 March 2016, the outstanding loan counts US$6,823,855 and the number of the clients 1,045. About 50% of the clients are women. In the next five years from 2016 to 2020, Camma plans to expand the operation into other provinces in Cambodia.

Inspiration Messages to Younger Generation

  • Starting up a business or an enterprise is not easy. You need to have passion about your job, love your work and be dedicated to it. No matter what is the challenge, as long as you like your job and you work hard for it, you will achieve your goal.
  • If you want to achieve it faster, you should get help by forming a good team that comprises of experience and expertise.
  • As a team leader, you have to be a good listener and a great motivator.
  • Make sure that your product or service is innovative enough and meets the needs of clients.
  • Create control systems that allow you to delegate your work or authority.
  • After you can delegate your work, you should turn towards the macro management and leave the micro management to your team.
  • Take a holiday, enjoy your life or start another new business!