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Mrs. Vanna Nob Village Bank Loan Group
In this Group: Vanna, Huch, Sophear, Kim Hong, Kim Han, Chan Thol, Bun Sim, Sam Oeun, Sovann, Srey, Lai, Sokha, Khorn, Song, Vattei, Munny, Hoeurn, Tola
Mrs. Vanna N. owns a small restaurant. She is also a farmer who owns a small piece of land to cultivate rice. Her husband, Mr. M. Touch, is an administrator in the garment factory. Mrs. Vanna N. is 48 years old and the mother of five children: two of them are employed in a garment factory, while another is a beautician and the others are attending the local school. Now she is requesting a loan to buy grocery products to sell and fertilizer for the rice field.

Mrs. Vanna N. is the village bank president who has been selected by the members. Eighteen people, who are all living in Kdol village in Takeo province, make up this village bank loan. They will each use the loan for different purposes. All of the members are in the photo (some of them are blocked by others).

Five 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 they are the most beneficial to Cambodia’s poor. EoT loans allow them to repay portions of the principal whenever they are financially able. Most clients start to make their 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 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
  • 107
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,145.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Vanna Nob Village Bank Loan Group's $3,000 loan helped a member to buy grocery products to sell and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 26, 2009
Oct 1, 2009
Currency Exchange Loss:
Jul 15, 2010