A loan of $1,500 helped a member to buy more grocery products for her inventory.


Mrs. Yo Srey Mao's Village Bank Group's story

Thirteen people in Oknha Pang Village in Kampong Chhnang Province make up this village bank and they will use the loan which they hope to obtain for different purposes.

Mrs. Yo S. M. is the village bank president who has been selected by the members. She owns a small grocery store in the local village. Since this business is going well, she wants to expand it so she has decided to ask for a loan to buy more grocery products for her inventory. Her husband, Mr. Ruos Vannak, is a soldier who can only make a small salary to support his household. Mrs. Yo S. M. is a 21-year-old mother with no children yet.

Mr. Chhem S. was not present at the meeting but his wife was, so she is present in the photo instead of her husband.

This is a village bank loan consisting of mainly end-of-term loans. Six 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 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.

In this group: Yo, Kong, Deng, Ouk, Im, So, Meas, Meas, Yo, Sin, Suo, Song, Chhem
*not pictured



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