Mrs. Nara Yin Village Bank Group

Eleven people living in Sdau Kanlaeng village in Kandal Province comprise this village bank loan, and they will use the loan for various purposes.

Mrs. Nara Yin is the 30-year-old village bank president. She is a grocer who owns a small grocery store in her house. Her husband, Mr. Tang Lorn, is a farmer who owns a small piece of land on which he grows vegetables. Even though they try hard, they still earn less income than they need, so they face an obstacle to get enough food for the family. Thus, Mrs. Nara Yin decided to ask for a loan to buy food for her family. She has a child who is just four years old.

Mr. Chandara Gnek did not come to take a loan but his wife did, so she decided to ask for the loan instead.

All but one member in the group have monthly payment loans. One member has an end-of-term loan and is not required to pay any principal on the loan until the very end of the loan term. End-of-term (EoT) loans are AMK’s main product because it is the most beneficial to Cambodia’s poor. It allows them to repay portions of the principal whenever they are financially able to. Most clients start to make payments many months before the end of the loan term. Almost all of AMK’s clients make their payments on time. AMK has a delinquency rate of only 0.09% and AMK has a default rate of 0% on Kiva.




About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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