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Anonymous Group
In this Group: Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous, Anonymous
The village bank loan group pictured in the photo is based in the Ouk Tum Por Village in Kampong Chhnang Province. The group consists of 12 people, each of whom will use their loan share for different purposes. Mrs. Sary M., 55 years old, is widowed and has four children, all of whom are employed in a garment factory. Mrs. Sary M. is the president of the village bank loan group and earns income running her own grocery store in the local market. Her business is going well, and she would like to expand it. Therefore, Mrs. Sary M. is asking for a loan to buy additional grocery products for her inventory, hoping to thereby increase her income and improve her living conditions.

All the members in this village bank have end-of-term (EoT) loans, so they are not required to pay any principal on the loan until the very end of the loan term. EoT loans are AMK’s main product, because it is the most beneficial to Cambodia’s poor, allowing 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, and almost all of AMK’s clients make their payments on time. AMK has a delinquency rate of only 0.09% and a default rate of 0% on Kiva.

Also pictured in the photo are Matt Flannery, the CEO and co-founder of Kiva, and Zvi Boshernitzan, the Chief Software Architect at 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
  • 39
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 4,081.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Anonymous Group's $1,775 loan helped a member purchase of additional grocery products for inventory.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
At end of term
Oct 14, 2008
Nov 12, 2008
Currency Exchange Loss:
May 15, 2012