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Mrs. Khil Thavy Village Bank Group
In this Group: Khil, Sa, Ean, Toem, Ches, Uk, Nhem, Yin
Eight members in Ta Kret village in Kampong Cham province make up a village loan. Each member plans to use the loan for a different purpose. Mrs. Khil T. is the village bank president who has been selected by the members. She is a tailor who uses cloth to process into clothes for the villagers. Her husband, Mr. Yeang Mengleang, is a farmer. In this plantation, he now faces a small problem because the soil in his field is infertile, which affects his crop. Thus, his wife, Mrs. Khil T., has decided to ask for a loan to buy fertilizers to support her husband's field in order to produce a better crop. Mrs. Khil T. has three children who are all attending school.

This village bank loan is an end-of-term loan where all the members 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 they are 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.

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
  • 76
    View loans »
    Cambodia Loans Fundraising
  • $41,806,325
    Funds lent in using Kiva
  • 4,060.2
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Khil Thavy Village Bank Group's $1,075 loan helped a member to ask for a loan to buy fertilizers to support her husband's field in order to produce a better crop.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 2, 2008
Sep 18, 2008
Currency Exchange Loss:
Oct 15, 2010