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Nem Srey's Group
In this Group: Nem, Kuch, Sinat, Keng, Nun, Chheng Hai
Mrs. Nem S. is a group leader of six who all live in Phum Tmey village in Kampong Chhnang province. She is a farmer who owns 0.5 hectares for rice cultivation. Aside from this plantation, she is a fisherwoman who catches a small number of fish to support the family. In order to catch more fish, she decided to ask for a loan to buy more fishnets and fishing line for her business. Mrs. Nem S. is a 32-year-old widow with three children two of whom are attending the local school while the remaining one is too young to work or study.

All the members in this village bank loan are end-of-term loans so they are not required to pay any principal on the loan until the very end of the loan term. The end-of-term (EoT) loan is 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.

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
  • 306
    View loans »
    Cambodia Loans Fundraising
  • $37,569,750
    Funds lent in using Kiva
  • 4,161.7
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nem Srey's Group's $400 loan helped a member to buy more fishnets and fishing line for her business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Dec 8, 2008
Jan 1, 2009
Currency Exchange Loss:
Sep 15, 2009