Mrs. Pol Chan Dara's Village Bank Group

Mrs. Pol Chan Dara is the village bank president. She was selected to be president by the other members. She is also a pig breeder. As her pigs grow bigger and bigger, she needs more money to buy pig food. Therefore, she has decided to ask for a loan to buy pig food. Her husband Mr. Udom Samol is a motorbike repairer who earns a small income to support his family.

Mrs. Pol Chan Dara is 25 years old and the mother of one child. Her child is only five years old and is too young to work or study.

The picture shows the members of the community bank. Mrs. Run Leang is not in the picture, so her husband stands in the picture in her place.

All the members in this village bank have end-of-term loans so they are 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 they are the most beneficial to Cambodia’s poor. This 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