This year’s theme "Finance to Empower & Protect" reflects the core of Cerise+SPTF’s new 10-year strategy, focused on building a financial sector that protects, empowers, and supports customers as they navigate evolving challenges.

The report shares field-grounded evidence from Ratanakiri, Cambodia, on how borrowers experience debt stress, what helps them act more confidently, and where provider and regulatory systems still fail to convert customer effort into protection.

Cerise+SPTF and Grameen Foundation collaborated on research to test a survey instrument designed to measure the nature and prevalence of financial abuse.

This field investigation aims to assess the impact on the financial inclusion sector of reduced international aid, following the decrease in contributions from the United States and other countries to development programs worldwide.

With 26 content sessions delivered over four days, this gathering addressed the crucial need to build responsible finance ecosystems, emphasizing the importance of social and environmental performance management.

This paper is a call to action for all impact investors to ensure their exits uphold the values they have championed throughout their investments. It provides a roadmap of recommendations to help investors stay cool in hot markets, know when to exit responsibly and secure their impact. 

National Bank of Cambodia and the Cambodian Microfinance Association recently announced a joint initiative, Strengthening Safe Finance in Communities aimed at increasing financial literacy, consumer empowerment, and client protection.

The partnership will help chart a roadmap for responsible growth, financial stability and customer protection in Cambodia's microfinance and broader financial sector.

This report aims to contribute to building a framework of actionable indicators based on the SDG targets that can answer the need for a simple, credible methodology to monitor outcomes.

The Universal Standards help financial service providers put clients and the environment at the center of all strategic and operational decisions, with the result that clients benefit from using financial products and services.