Bora Khath
Preah Sihamoniraja Buddhist University

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Exploring the Perceived Affordable Residential Condominium among Middle-Income Cambodian People in Phnom Penh, Cambodia Chamnab Voeun; Sarom Mok; Bora Khath
International Journal of Educational Innovation and Research Vol. 5 No. 1 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/ijeir.v5i1.17067

Abstract

Ongoing economic difficulties, such as stricter credit requirements and low domestic spending, have made the residential real estate market’s steady decline worse in Cambodia. In light of this, the fundamental purpose of this study was to determine how middle-income individuals who wish to live in Phnom Penh in the future will be affected by the city’s overgrowth in real estate and housing prices, as well as how to make condominiums in the Phnom Penh area accessible through both condominium design and policies. Through the analysis of secondary data and expert interviews at real estate firms, this study employed qualitative approaches. The results showed that although middle-income earnings increased, they did not rise in tandem with the Phnom Penh area’s rapidly increasing real estate values. Cambodian middle-income people might eventually be unable to buy condominiums in the Phnom Penh area as a result of this. Additionally, middle-class people find it increasingly difficult to locate reasonably priced condominiums in the Phnom Penh area because developers are discouraged from investing in these kinds of developments due to their inability to make a profit. This study has looked at strategies to help developers provide more reasonably priced condominiums and to make it easier for middle-class people to purchase condominiums in the Bangkok area through a number of support programs. The results showed that the home loan policy, tax reduction, bonus, and construction material cost reduction were among the collection of supportive policies that might be used.
Financing Industrial Innovation: Empirical Research on the Impact of Sectoral Bank Credit on Business Development in Cambodia Pisith Hok; Sarom Mok; Bora Khath; Tharith Pin
International Journal of Educational Innovation and Research Vol. 5 No. 1 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/ijeir.v5i1.17397

Abstract

This empirical study examines the linkage between bank credit and innovation of sectors as determinants of economic growth in Cambodia for the period from 2009 to 2023. Quantitative approach and secondary data in the form of time series data will be used in the study. The data is sourced from National Bank of Cambodia and International Monetary Fund, and the analysis will involve simple and multiple regressions. Results indicate that while bank credit expansion (reaching 175.01% of GDP by 2023) acts as a powerful force for economic growth, its impact is highly uneven across industries. The findings show that the credit that was designed to aid real estate, agriculture, and media and telecommunications is the one that has made positive impacts on growth, while credit aimed at mining, utility, and hospitality industries has caused negative impacts. This means that current innovation in the industry has been centered on developments in urban settings and information technology, and not capital-intensive industries. According to the findings, for sustainable growth, the government should move from expanding credit to strategically allocating credit in the productive and innovative sectors. This paper addresses the finance-growth literature in developing countries and offers a framework for distributing credit strategically.