A loan of $2,350 helped a member to buy rice seed.


Mrs. Sopheap Rours Village Bank Group's story

This village bank group consists of 15 people who live in Samraong village in Kandal province. All the members will use their loans for different purposes. Mrs. Sopheap R. is the village bank president. She is a farmer who owns a piece of land to cultivate both rice and vegetables. She faces a problem because she does not have rice seed to plant in her paddyfield. Thus, she decided to ask for a loan to buy rice seed. Her husband, Mr. Kong Vanna, is a motorbike taxi driver. Mrs. Sopheap R. is 44 years old and the mother of three children, all of whom attend the local school.


Eight members in this group have end-of-term (EoT) loans and the rest have monthly payment loans. Those who have 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 they are most beneficial to Cambodia’s poor. These loans allows the borrower to repay portions of the principal whenever they are financially able. 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: Sopheap, Nang, Rin, Sokuntheary, Chheourn, Yeth, Rann, Dy, Sovuth, Vanny, Ith, Sodon, Muorn, Neng, Sophoun



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