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Mrs. Theavy Chem Group
In this Group: Theavy, Sina, Norn, Sary, Hem, Sakhorn
Mrs. Theavy C. is a group leader of six members who all live in Prey Kduoch village in Takeo province. She is a rice middle woman. Her husband, Mr. Teng Thim, is a farmer who owns a plot of land to cultivate both rice and vegetables. In this plantation, he faces an obstacle because his field is infertile soil. In order to deal this problem, Mrs. Theavy C. decided to ask for a loan to buy fertilizer and she would use the rest of money to buy piglet for breeding. She is 34 years old and the mother of five children, four of whom are enrolled in the local school and the youngest one is too young to work or study.

All the members in this group loan are end-of-term loans so they are not required to pay any principal on the loan until the very end of the loans 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 their payments many months before the end of the loan term. Almost all of AMK’s client 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
  • 259
    View loans »
    Cambodia Loans Fundraising
  • $38,131,800
    Funds lent in using Kiva
  • 4,145.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Theavy Chem Group's $800 loan helped a member to ask for a loan to buy fertilizer and she would use the rest of money to buy piglet for breeding.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Aug 26, 2009
Oct 1, 2009
Currency Exchange Loss:
Jul 15, 2010