A loan of $2,825 helped a member to ask for a loan to expend for plowing and to buy fertilizer to support the field.


Mr. Khom Tuon Village Bank Group's story

The village bank loan which consists of seventeen people is located in Serei Duoch village in Takeo province. Mr. Khom T. is the village bank president who has been selected by the members. He is a cow middleman. His wife, Mrs. Uoch Sung, is a farmer who owns 2-hectar field of land to cultivate rice. In this plantation, she does not have enough money to expend on the rice field. Thus, Mr. Khom T. decided to ask for a loan to expend for plowing and to buy fertilizer to support the field. He is 37 years old and the father of four children, two of whom are enrolled in the local school while the others are too young to work or study. Four members in this group loans are 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 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.

In this group: Khom, Mao, Uch, Satt, Morn, Sarorn, Hun, Roath, Men, Pheap, Srey, Ny, Ley, Soeun, Rorn, Sophea, Pheak
*not pictured



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Loan details