A loan of $3,600 helped a member to ask for a loan to buy more fertilizers to support the field to make her crop more productive.


Mrs. Chanthoeun Chum Village Bank Loan Group's story

22-people who all live in Daem Rues village in Kandal province is made up the village bank and all the members will use the loan which they obtained in different purposes. Mrs. Chanthoeun C. us a village bank president who has been selected by the members. She is a farmer who owns 1.08-hectar to cultivate rice. In rice farming, she faces a small problem because her field is infertile soil so it is affected to her rice crop. Thus, she decided to ask for a loan to buy more fertilizers to support the field to make her crop more productive. Her husband, Mr. Preap Sambath, helps her in the farming. Mrs. Chanthoeun C. is a mother of a child who is attending the local school.

Seven members in this village bank 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: Chanthoeun, Sok, Hong, Sam On, Yom, Mong, Kunthea, Channy, Sokhon, Shithorn, Mom, Vanny, Chhaem, Vanna, Saroen, Som, Leakhena, Soen, Sambath, Daren, Ith, Seng



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