A loan of $800 helped a member to ask for a loan to buy fertilizer and she would use the rest of money to buy piglet for breeding.


Mrs. Theavy Chem Group's story

Mrs. Theavy C. is a group leader of six members who all live in Prey Kduoch village in Takeo province. She is a rice middle woman. Her husband, Mr. Teng Thim, is a farmer who owns a plot of land to cultivate both rice and vegetables. In this plantation, he faces an obstacle because his field is infertile soil. In order to deal this problem, Mrs. Theavy C. decided to ask for a loan to buy fertilizer and she would use the rest of money to buy piglet for breeding. She is 34 years old and the mother of five children, four of whom are enrolled in the local school and the youngest one is too young to work or study. All the members in this group loan are end-of-term loans so they are not required to pay any principal on the loan until the very end of the loans 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 their payments many months before the end of the loan term. Almost all of AMK’s client 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: Theavy, Sina, Norn, Sary, Hem, Sakhorn
*not pictured



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Loan details