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Mrs. Ros Na Village Bank Group
In this Group: Ros, Chhin, Chum, Mil, Luy, Kheurm, Oeun, Suos, Sath, Im, Vorn, Vorn, Sath, Ket, Yi, Sath, Nou, Vann, Ngim, Bil, Long, Sath, Sok, Bil, Luy, Thuoch
The village bank, which is located in Kok Kandal village in Kampong Cham province, consists of twenty-six members who will each use the loan for a different purposes. Mrs. Ros N. is the village bank president and she is a sugar seller in the local village. Her husband, Mr. Chea Nean, collects palm juice to process into palm sugar for his wife to sell. Since Mrs. Ros N.'s consumers are increasing and they have a lot of demand, Mrs. Ros N. decided to ask for a loan to buy more sugar in order to reach her customers' demands.

Mrs. Ros N. is 51 years old and the mother of four children, one of whom is a farmer while two others own a small grocery store in the local market. The youngest one is attending school.

Two men among the three in the photo came to take the loan instead of their wives because they are busy with their work. Mrs. Thuoch C. is the group guarantee and has not asked for a loan, but she is also presented in the picture. The boy who is standing at the back of the photo is one member's sibling.

This is a village bank loan consisting of mainly end-of-term loans. Twelve members have end-of-term loans and the rest have monthly payment loans. These twelve 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
  • 210
    View loans »
    Cambodia Loans Fundraising
  • $40,009,875
    Funds lent in using Kiva
  • 4,060.2
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Ros Na Village Bank Group's $2,750 loan helped a member to ask for a loan to buy more sugar in order to reach her customers' demands.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 2, 2008
Sep 18, 2008
Currency Exchange Loss:
Nov 15, 2009