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Mrs. Yoem Saroeurn's Group
In this Group: Yoem, Uy, Koy, Pok, Khiev
Mrs. Yoem S. is the group leader of five people who all live in Pon Ley Village in Takeo Province. Mrs. Yoem S. owns a hectar to cultivate rice on. In her plantation, she now faces a problem because her field is infertile which it has a bad effect on her crop.

In order to solve this problem, Mrs. Yoem S. has decided to ask for a loan to purchase fertilizer to improve her crop. Her husband, Mr. Suk Sorn, helps her on the plantation. Mrs. Yoem S. is 40 years old and the mother of four children, one of whom is employed in a garment factory while the others are enrolled in the local school.

Mrs. Uy S. was not present at the group meeting, but her husband was, so he is in the picture.

One of the members in this group has end-of-term loans and the rest have monthly payment loans. This member is 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
  • 322
    View loans »
    Cambodia Loans Fundraising
  • $37,587,725
    Funds lent in using Kiva
  • 4,090.6
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Yoem Saroeurn's Group's $675 loan helped a member to purchase fertilizers to improve her crop.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 9, 2008
Oct 26, 2008
Currency Exchange Loss:
Oct 15, 2009