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Mrs. Vouchnor Hok Village Bank Group
In this Group: Vouchnor, Horn, Vouchny, Tree, Oeun, Chantha, Vat, Cheang, Poy, Sok Nor, Chantha, Sareoung, Srey Norn, Ly Heang, Si Nourn, Teav
The Village Bank Group, which consists of 16 people, is located in Tuol Kdei village in Kandal province. Mrs. Vouchnor H. is the Village Bank president who has been selected by the members. She is a fish retailer in the local market. Since her business is going well, she wants to expand it by purchasing more fish to re-sell to earn more income. Her husband, Mr. Tho Thang, is a farmer who owns a plot of land to cultivate rice to earn a living. Mrs. Vouchnor H. is 34 years old and the mother of five children, three of whom are enrolled in the local school, while the others are too young to work or study.

Four members in this group loA. are End-of-Term loans and the rest have monthly payment loans. They are not required to pay any principal on the loA. until the very end of the loA. 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 to. Most clients start to make payments many months before the end of the loA. 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
  • 160
    View loans »
    Cambodia Loans Fundraising
  • $41,456,250
    Funds lent in using Kiva
  • 4,212.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Vouchnor Hok Village Bank Group's $2,400 loan helped a member to purchase more fish for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2009
Aug 6, 2009
Currency Exchange Loss:
Aug 15, 2010