Mrs. Nhor Martt Village Bank Group

This village bank, which consists of 13 members, is located in the Kor village in the Takeo province. They plan to use the loan for different purposes. Mrs. Nhor Martt has been selected by the members as the village bank president. She is a farmer who owns a piece of land for cultivating rice. In this plantation, she faces an obstacle because the field is infertile; thus, she decided to request a loan to buy fertilizer to make her crop more productive. Her husband, Mr. Um Sam Arth, is a cook who is hired by people for wedding ceremonies, festival ceremonies, parties, and so on.

Mrs. Nhor Martt is 51 years old and the mother of three children: one is a security guard, another stays at home to do housework, and the remaining one attends the local school. The husband of group member Mrs. Borin Soy is present in the picture too.

Eleven members of this group loan are utilizing end-of-term loans while the rest have monthly payment loans. 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 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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