How Access to Financing Helped a Ratanakiri Farmer Grow His Operation and Secure His Family's Future

For more than 15 years, Noy Saroeub has made his living off the land. Through hands-on experience, careful crop management, and a determination to boost production, he has steadily grown his farming business and improved his family's standard of living.

The 45-year-old cultivates cashew, cassava, and soybeans in Teun Village, Teun Commune, Koun Mom District, Ratanakiri Province. Like many smallholders in the region, a lack of working capital was a persistent obstacle to maintaining and scaling up his operations. To address this gap, he turned to a local financial institution for a series of three loans, each timed to a different phase of his agricultural development.

Three Loans, Three Stages of Growth

In 2022, his first loan covered the purchase of cashew seedlings and fertilizer. As his farm expanded, a second loan in 2024 allowed him to buy seeds for cashew, cassava, and soybeans along with essential farm equipment. By 2026, a third loan gave him the means to acquire additional land and fertilizers to support flowering, fruit development, and higher overall yields.

By directing each round of financing toward his most pressing needs, Saroeub has enlarged his cultivated area, strengthened his production capacity, and continued building a more resilient agricultural enterprise.

For him, farming is not just a source of income—it is a long-term livelihood for his family. With continued dedication and careful planning, he remains focused on refining his techniques, expanding his acreage, and creating better opportunities for the people who depend on him.