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Mrs. Surn Oum Village Bank Group
In this Group: Surn, Sokly, Layheak, Laypin, Ley, Thun, Re, Thy, Touch, Srey Aun, Thou, Yat, Som, Srey Lin, Shimorn, Lai Heang, Soen, Srey Mom, Soy
Nineteen people living in Kab Leav village in Kandal province comprise this village bank loan, and they will use the loan for various purposes. Mrs. Surn O. is a forty-one-year-old village bank president. She is a farmer who owns a small piece of land and cultivates rice to earn a living. Her husband, Mr. Ros Torn, is a commune chief who has a small salary. This couple has three children, two of whom are attending the local school. The youngest one is too young to work or study. Mrs. Surn O. is requesting a loan to buy a bicycle for her children drive to work.

Fifteen members in this group have end-of-term loans 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. 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
  • 176
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • 4,138.4
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Surn Oum Village Bank Group's $1,800 loan helped a member to buy a bicycle for her children drive to work.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 3, 2009
May 1, 2009
Currency Exchange Loss:
May 18, 2010