CAMMA Microfinance Limited is committed to contributing to environmental protection in compliance with the Cambodian law and regulations and Cambodian Sustainable Finance Principles. CAMMA commits to prioritizing the environment and society, protects our people and preserves our cultural heritage by actively assessing, managing, mitigating, offsetting or avoiding potential risks or negative impacts arising from our clients’ business activities. Therefore, all customer business activities must be implemented as follows:

• Compliance with environmental and social laws and regulations, and the CAMMA’s standard of procedures
• Adherence to Environmental and Social Performance Standard by resolutely avoiding potential risks or negative impacts arising on the environment and society.

CAMMA will not finance to any activities which are in the ‘Environmental and Social Exclusion List’ as follows:

• Environmental and social risks and impacts
  • Business activities directly or indirectly involved in deforestation and deforestation exceeding the permitted area or without licenses or without passing the appropriate assessment by the Ministry of Agriculture, Forestry and Fisheries or the competent authority
  • Business activities that fill natural lakes, rivers, waterways or hydropower structures that cause flooding, drought and loss of biodiversity
  • Production and trafficking of dangerous medicines and chemicals prohibited by national and international law or collective agreements
  • Business activities in the production and production of large-scale solid and liquid wastes
  • Business activities in the production or emission of dust, fumes, odors and loud noises that affect the living activities of local people.
• Labor and working conditions and community health, safety and security
  • Business activities directly or indirectly related to human trafficking or illegal recruitment of foreign workers
  • Business activities using child labor directly or indirectly
  • Business activities include the use of forced labor in all its forms and the exploitation of working conditions, working for a living, forced labor to repay debts, deprivation of workers’ rights, and enslavement
  • Work in a dangerous environment or place with toxic substances that can cause accidents, cause illness or cause long-term health problems
  • Business activities that can cause explosions, dust, smoke and noise affect the health, safety, work and daily life of people around the business area.
• Resource efficiency and pollution prevention​
  • Business activities that use a lot of electricity which causes a nuisance to those who live near the business location
  • Business activities that use large amounts of paper and natural resources
  • Greenhouse gas (GHG), carbon (Co2) emissions, water pollution and soil pollution.
• Land acquisition and involuntary resettlement
  • Business activities that cause land disputes
  • Business activities cause loss of land, loss of land tenure, restrictions on the use of land that can not live, occupy or do business
  • Loss of community land and location valuable to the community
  • Business activities that cause involuntary evacuation and resettlement.
• Biodiversity conservation and sustainable management of living natural resources
  • Business activities that cause loss of habitats of endangered and endangered species and moderately endangered species
  • Business activities that cause loss of water and natural resources, loss of waterways and airways
  • Business activities that lead to the increase of pests, the invasion of monsters, the spread of epidemics/cholera
  • Business activities that are seen as over-exploitation of natural resources.
• Indigenous people and cultural heritage.
  • Business activities that cause loss of cultural heritage, such as shrines, occupied land, villages or communities
  • Business activities that cause loss of land due to land acquisition and involuntary settlement of indigenous people.

CAMMA will not finance any activities which are in the ‘Environmental and Social Exclusion List’.

• Production or activities involving harmful or exploitative forms of forced labor/child labor
• Production or trade in weapons and munitions
• Gambling, casinos, prostitution, and equivalent enterprises
• Trade in wildlife or wildlife products regulated by law
• Production or trade in radioactive materials, excluding purchasing medical devices, quality control equipment, and other equipment that the institution considered as having low radioactive or sufficient protection
• Production or trade in products or any activities considered as violating the Cambodian law and regulations, international agreements, or subject to international, containing PCBs, Trade in wildlife products regulated under CITES
• Production or trade in products subject to international phaseouts or bans that the institution is officially aware
• Products or services that are hazardous to the natural environment and banned by the Cambodian law
• Any activity deemed illegal under Cambodian laws or regulations or international conventions and agreements
• Production or trade in wood or other forestry products from unmanaged forests
• Production or trade in tobacco
• Production or trade in alcoholic beverages (excluding beer and wine)
• Production or trade in or use of unbounded asbestos fibers, excluding the purchases and uses of fiber cement containing less than 20% of asbestos
• Commercial logging operations for use in primary tropical moist forest
• Production, trade, storage, or transport of significant volumes of hazardous chemicals in business operations. The hazardous chemical substances include gasoline, petroleum, and other oil products
• Production or trade in pharmaceuticals subject to international phaseouts or bans
• Production or trade in pesticides/herbicides subject to international phaseouts or bans
• Production or trade in ozone-depleting substances subject to international phaseout
• Drift net fishing in the marine environment using nets over 2.5 km in length
• Production or activities that impinge on the lands owned or land acquisition or other property or claimed under adjudication, by indigenous peoples, without full documented consent of such peoples
• Production or publication of information against democracy or racial discrimination news.