A loan of $1,425 helped a member to ask for a loan to buy more rice-bran powder to re-sell to his consumers who breed pigs.


Mr. Samrith Sokhom Village Bank Group's story

Mr. Samrith S. is the president of the village bank that currently serves thirteen people from Pun Phnum Village in the Takeo Province. All the members of this village bank will use the loan for different purposes. Mr. Samrith S. is farmer who owns half a hectare-field where he can cultivate rice. Besides running this business, he sells rice-bran powder in the local village. Since this business is flourishing, he wants to expand it. He has decided to ask for a loan to buy more rice-bran powder to re-sell to his consumers who breed pigs. His wife, Mrs. Pich Bopha, is pig breeder who raises five pigs. Mr. Samrith S. is 36 years old and the father of three children, one of whom is attending the local school. The others are too young to work or study because they are one and five years old.

One member of this village bank has end-of-term loans and the rest have monthly payment loans. This member is 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 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 payments 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.

In this group: Samrith, Hing, Suong, Oem, Nuon, Pael, Chea, Leng, Phouk, Lanh, Nob, Say, Nob
*not pictured



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