The majority of households (79%) in Cambodia are female-headed. Whilst the average household sizes are fairly similar between male and female-headed households, male-headed households have higher ownership of assets such as motorcycles, bicycles and farming materials such as a tractor and ox cart. There are also clear disparities in access to education between males and females in Cambodia. Males tend to be less uneducated with relatively higher educated adults. This might explain why males have a higher proportion to females of formally employed individuals. As a consequence, females are more likely to be dependents (14 %) in Cambodia than males are (5 %).
The above context has an effect on female access to bank financing in Cambodia. Females tend to be directed more towards MFI finance due to it being easier to access as their lack of formal employment makes it difficult for banks to extend loans. The income distribution shows a disparity favoring males. As the income levels rise, more and more males have higher proportions in rising income categories than females.