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Mrs. Phalla Tuon Village Bank Group
In this Group: Phalla, Srey, Srei Pov, Phalkun, Sorn, Nhor*, Sopheap, Sa Moeun, Yoeun, Ret, Chroeb, Koem Ly, Sean, Sampheas, Samy*, Touch*, Son, Yi, Phanny, Sokorn*, Leakena, Ry, Ann, Phalla*, Muon
* not pictured
This village bank loan, which consists of twenty-five people, is located in Kampong village in TaK. province. Mrs. Phalla T. is the village bank president who has been selected by the other members.

Mrs. Phalla T. is 49 years old and the mother of five children, one of whom is employed in a garment factory while the others are enrolled in the local school. Mrs. Phalla T. is a farmer who owns 1.5-hectare (3.75-acre) field of land on which she cultivates rice to earn for living. She is also a dried-fish seller in the local market. Her husband, Mr. Bo Sorn, is a teacher in the local school.

Since her business is doing well, Mrs. Phalla T. wants to expand it by purchasing more dried fish to re-sell to earn more profits for her family.

Two members in this group loan 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. 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. 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
  • 73
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,200.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Phalla Tuon Village Bank Group's $4,450 loan helped a member to purchase more dried fish to sell to earn more profits for her family.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 17, 2009
Jul 24, 2009
Currency Exchange Loss:
Aug 15, 2010