What the Data Shows
Average outstanding household loans are compared across Cambodia and three residence groups in 2021 and 2023. The national average rose from 21.346 million to 25.881 million riels among households with outstanding loans. Phnom Penh recorded the largest change, rising from 28.439 million to 58.689 million riels, an increase of 106.4%. The 2023 rural average was 20.139 million riels, well below the capital level.
Data table
Unit: million Cambodian riels · Period: 2021–2023
| Rank | Entry | Value | Period |
|---|
| 1 | Cambodia | KHR 21.346M | 2021 |
| 2 | Cambodia | KHR 25.881M | 2023 |
| 3 | Phnom Penh | KHR 28.439M | 2021 |
| 4 | Phnom Penh | KHR 58.689M | 2023 |
| 5 | Other urban | KHR 26.660M | 2021 |
| 6 | Other urban | KHR 32.217M | 2023 |
| 7 | Other rural | KHR 18.334M | 2021 |
| 8 | Other rural | KHR 20.139M | 2023 |
Sources
Source 1: Cambodia Socio-Economic Survey 2023
Publisher: National Institute of Statistics, Cambodia
Dataset/table: Cambodia Socio-Economic Survey 2023
Units: thousand riels
Date checked: 2026-07-19
Evidence: Supports the published values, periods and definitions used for average outstanding household loan by residence in Cambodia.
Data notes & caveats
These are average outstanding balances among households with loans, not debt per resident or per household across the whole population. Values are expressed in million Cambodian riels.
Methodology
The grouped comparison converts the official thousand-riel values into million riels for readability. Percentage changes use the published 2021 and 2023 balances.
Source consistency notes
All residence groups use the same Cambodia Socio-Economic Survey measure in 2021 and 2023.
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