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Mrs. Chek Pat Village Bank Group
In this Group: Chek, Channy, Rem, Kim, Vanna, Koem Sreang, Seak Heng, Srurn, Sophea, Kim Surn, Son, Koem Chhurn, Chann, Ya, Lurn, Sary, Sok Leang
The Village Bank Group consists of seventeen people who live in Chroung Sdau village in Takeo province. Mrs. Chek P. was selected the President of the group by its members. She is a good cook, hired by the villagers during wedding ceremonies and parties. Her husband, Mr. Yim Phorn, is a farmer who owns a 1-hectar field on which he cultivates rice. This field has infertile soil which is a challenge, because it affects his crop production. Fertilizer would help make the field more productive. Mrs. Chek P. decided to ask for a loan to buy the fertilizer. She is 37 years old and the mother of four children, one of whom is a waiter, two are enrolled in the local school and the youngest is too young to work or study.

Seven members in this group have end-of-term loans. They are not required to pay any principal on the loan until the very end of the loan term. The other group members have monthly payment loans. 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.

Additional Information

About AMK

Angkor Microfinance Kampuchea (AMK) is a leading microfinance institution in Cambodia with a wide reach of operations. AMK works with over 6,000 villages and serves clients in every Cambodian province. With an average loan size of US$115, AMK’s focus is to provide credit and savings products to the very poor in rural areas. For more information, please visit AMK's website.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Cambodia

  • $2,600
    Average annual income
  • 286
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • 4,125.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Chek Pat Village Bank Group's $2,475 loan helped a member to buy fertilizer to make the crop more productive.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 11, 2009
Oct 1, 2009
Currency Exchange Loss:
Sep 15, 2010