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Mrs. Sann Chao Village Bank Group
In this Group: Sann, Moeurn, Sa Vang, Phavy, Kim Seang, Lai Heam, Thol, Sokhea, Phan Dy, Sen, Nai Sim, Leang Him, Kim San, Yuon, Sophoin, Seng Hai, Pau, Leang Sim, Saroeun
Nineteen people, living in Tuol Khsach village in Kampong Cham province, comprise this village bank loan, and they will use the loan for various purposes. Mrs. Sann C., the 63-year-old village bank president, is a farmer who owns a small piece of land to cultivate vegetables. Her husband, Mr. Muon Vanny, helps her in her small farming business. They face an obstacle because they do not have enough money to buy fertilizer to support their field. To deal with this problem, Mrs. Sann C. is asking for a loan to buy fertilizer for the fields, and she would use the rest of loan to purchase fuel to water the field to make her crops more productive. She is the mother of three children who are employed in a garment factory.

One member in this group has a loan that is end-of-term, and the rest have monthly payment loans. They 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 do so. 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 loans.

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
  • 56
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • 4,124.5
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Sann Chao Village Bank Group's $2,750 loan helped a member to ask for a loan to buy fertilizer to support their field, and various other reasons.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 13, 2009
Feb 1, 2009
Currency Exchange Loss:
Mar 15, 2010