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A loan of $2,950 helped a member to ask for a loan to buy rice seed and fertilizer to support the paddy field.

Mrs. Horn Bou Village Bank Group's story

The village bank loA. which consists of nineteen people and they all live in Peam Prachum village in Kandal province. Mrs. Horn B. is the village bank president who has been selected by the members. She and her husband, Mr. Veth Hun, are farmers who own a plot of land to cultivate both rice and vegetables to earn for living conditions. In the rice growing, they face A. obstacle because they do not have enough money to buy rice seed and fertilizer to support the paddy field. Thus, Mrs. Horn B. decided to ask for a loA. for this purpose. She is 51 years old and the mother of six children, two of whom are employed in a garment factory while another stays at home to do housework and the others are enrolled in the local school.

Twelve 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 loA. until the very end of the loA. term. End-of-term (EoT) loans are AMK’s main product because it is the most beneficial to Cambodia’s poor. It allows thE. 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 loA. 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: Horn, Moch, Phon, Yoem, Beth, Mach, Muon, Sim, Than, Phally, Yin, Mary, Nan, Yen, Ngen, Tam, Tem, Chan, Soeung

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