Spean: What are points for them to be careful when repaying?
Mrs. Bopha: Repayment on time is the most important.
If customers pay back late, not only that they are subjected to penalty but it also affects their credit scoring, meaning their history of late repayment will remain in the CBC (Credit Bureau Cambodia) system and this will affect their future loan application with most banks and MFIs.
Spean: Why do customers want to borrow from Sonatra?
Mrs. Bopha: From my personal opinions, customers are free to choose which banks for their best option, but I believe we have something good for them. Some customers like quick loans, and some may like our low interest rates.
I think we have something special that can make customers happy in different ways.
Even some customers come back to us after borrowing from another bank or MFI. This may be because their experience with Sonatra was more satisfying.
They might like special aspects such as our easy process, service, transparency, and interest rates. In terms of transparency, we show every single fee and explain clearly what they are paying for.