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Mrs. Pao Uk Village Bank Group
In this Group: Pao, Nim, Bunny, Sok, Chong, Phat, Phalla, Phann, Phorn, Bou*, Tong, Seom, Somnang, Nim, Phat, Lorng Dy
* not pictured
This village bank loan is for 16 people who all live in Krang Samroang village in Kampong Chhnang province. They will use the loan for various purposes. Mrs. Pao U., 43, is the village bank president. She and her husband, Mr. So Sreng, are farmers who own a piece of land where they cultivate vegetables. In this plantation, they have an obstacle because they do not have enough money for planting the field. Thus, Mrs. Pao U. decided to ask for a loan so they can grow vegetables to earn some income. She has five children, one of whom is a firewood seller while the others are enrolled in the local school.

Thirteen members in this group loans have end-of-term (EoT) loans and the rest have monthly payment loans. Those with EoT loans are not required to pay any principal on the loan until the very end of the loan term. End-of-term loans are AMK’s main product because they are the most beneficial to Cambodia’s poor. These loans allow borrowers 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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 4,125.5
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Pao Uk Village Bank Group's $1,025 loan helped a member to plant vegetables.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 21, 2009
Mar 1, 2009
Currency Exchange Loss:
Mar 15, 2010