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Mrs. Loem Sao Group
In this Group: Loem, Kung, Chhoem, Vong, Trou, Deam
Loem S. is 38 years old, married, and has five children. Four are enrolled in the local school, while the other is too young to attend. Loem is working hard to provide her children with a quality education and support her family financially.

Loem S. is the group leader of a business located in Ou Kralanh Duol Village in the Takeo Province. Her group consists of six members. She owns a plot of land where she cultivates rice to make a living. Currently, she faces several problems, including infertile ground which is affecting her crop. In order to solve this problem, Loem has decided to ask for a loan in order to purchase fertilizers and enrich her land. Her husband, Mr. Un Moeurn, is a livestock breeder and currently has two cows and two pigs.

This is a group loan consisting of mainly end-of-term loans. Five members have end-of-term loans and the rest have monthly payment loans. These 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 it is the most beneficial to Cambodia's developing entrepreneurs. It allows them to repay portions of the principal whenever they are financially able. 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
  • 87
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,137.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Loem Sao Group's $550 loan helped a member to purchase fertilizers.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 10, 2008
Sep 26, 2008
Currency Exchange Loss:
Sep 15, 2009