A loan of $3,325 helped a member to expand her farming operations by purchasing land and fertilizer.


Mrs. Touch Mom Village Bank Group's story

This village bank, which consists of twenty four members, is located in Srae Ampil village in Kandal province. The loan that the group is seeking would be used for various purposes.

Mrs. Touch M. is the village bank president, and she was selected to this position by her fellow group members. She is a farmer who works on a plot of land where she cultivates rice. Since her plantation has been doing well, she wants to expand it by purchasing another piece of land on which to cultivate rice. Additionally, she wants to use any leftover loan proceeds to buy fertilizer in order to grow additional crops. Her husband, Mr. E. Set, is a construction worker. Mrs. Touch M. is 55 years old, and she is the mother of three children. One of her children is employed in a garment factory, while the others are attending the local school.

All of the members of the village bank are shown in the picture, though some of thE. are not visible. Three group members are seeking so-called "end-of-term" (EoT) loans, whereas the rest of the members have monthly payment loans. Borrowers of these EoT loans are not required to pay any principal on the loan until the very end of the loan term. Interestingly, EoT loans are AMK’s main loan product because they are the most beneficial to Cambodia’s poor; specifically, they allow borrowers to repay portions of the loan principal whenever they are financially able to do so. In any event, most such borrowers start to make principal payments many months before the end of the loan term. Almost all of AMK’s clients make their payments on time. Indeed, AMK has a delinquency rate of only 0.09%, and AMK has a default rate of 0% on Kiva loans.

In this group: Touch, Mom, Thour, Sophat, Li, Veasna, Leang, Ren, San, Chhum, Sapheap, Li, Sovan, Vearak, Vary, Somao, Veth, Kak, Yean, Boupha, Sopheap, Noen, Seim, Mali
*not pictured



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