Multi-currency
In regard to the multi-currency, Maxima currently has all their loan products in USD only but allows customers to make repayments in both currencies (USD & KHR), KHR will then convert with the current exchange rate into USD - so it is not a real multi-currency support. For the future, Maxima wants to comply with the NBC (National bank of cambodia) regulations by having their loan products in both currencies. The way banks in Cambodia implementing multi-currency is to offer major of their products in both currencies. And for example if a customer needs/wants to do transactions in KHR he/she will have to open accounts in KHR too otherwise it is just a type of foreign exchange. To your questions bellow, I think MFI/Bank here would rather implement the multi-currency support on products/accounts basis and they may restrict the availability of those products to certain centers, branches or locations. If for example a group wants to do transactions in KHR, they will have to open account in KHR.