A loan of $1,775 helped a member to buy a cow for breeding to earn more income.


Mrs. Ang Soem Village Bank Group's story

The village bank which consists of eighteen members is located in Krasang village in Kandal province and they plan to use the loan which they obtained for different purposes. Mrs. Ang S. is the village bank president who has been selected by the members. She is a hard working woman. She owns a small piece of land to cultivate rice. Although she tries to work hard, she still earns little income to support her family. Thus, she decided to ask for a loan to buy a cow for breeding to earn more income. Mrs. Ang S. is a 49-year-old widow with three children, one of whO. is a farmer to help the mother work while the others are enrolled in the local school.

Nine members in this group loans have end-of-term loans and the rest have monthly payment loans. 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. They are not required to pay any principal on the loan until the very end of the loan term. 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.

In this group: Ang, Mom, Som, Phally, Khorn, Sophall, Chanthorn, Von, Daren, Lalin, Vat, Pao, Khoen, Mon, Mon, Mach, Phoen, Shimorn



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