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Mrs. San Kunthea's Village Bank Group
In this Group: San, Pao, Mok, Pao, Vorn, Chroeng, Vy, Chhit, Ben, Ben, Mao, Vong, Mao, Kea, Chem, Lorn, Sorn, Kung, Chem, Lorn
The Village Bank president for this group is Mrs. San K. who has been selected by twenty members in Koh Kaev Kraom Village in Kandal Province. She is currently in the business of selling grocery items and she is now requesting a loan to purchase more grocery products to expand her inventory while her business is going well.

Mrs. San K. is 29 years old and she is married to Mr. Huon Heat who is a farmer. She has two children, one of whom is attending the local school while the younger one is too young to work or study because that child is only four years old.

Each week, Mrs. San K. makes approximately US$ 35 in income and with the extra income from this loan she hopes to be able to meet the needs of the family and improve their living conditions. The two men shown in the picture came to take a loan instead of their wives because their wives were busy with their work. All the members are shown in the picture except one who is blocked.

This is a village bank loan consisting of a number of end-of-term loans. Seven members have end-of-term loans and the rest have monthly payment loans. These members 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.

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
  • 257
    View loans »
    Cambodia Loans Fundraising
  • $38,148,650
    Funds lent in using Kiva
  • 4,137.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. San Kunthea's Village Bank Group's $2,400 loan helped a member to purchase more grocery products to expand her inventory.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2008
Oct 1, 2008
Currency Exchange Loss:
Nov 15, 2009