A loan of $750 helped a member to buy bottles, cans, and plastics to resell to a recyling factory.


Mrs. Nay Yong Group's story

Mrs. Nay Y. was selected by fellow members to be the group leader of five women in Tumnob Leu Village in Kampong Cham Province who are requesting a group loan. Mrs. Nay Y. is 34 years old, and the mother of two children: one is enrolled at the local school and the other is only three months old. Mrs. Nay Y. is a recycling collector who gathers or buys empty bottles, cans, and plastics and then resells them to a recycling factory. Her business is going well, and she would like to expand it. Her husband, Mr. Khen Khem, is a farmer.


All the members in her group loan have end-of-term loans (EoT), which means they are not required to pay any principal on the loan until the very end of the loan term. This type of loan is 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 do so. Most clients start to make payments many months before the end of the loan term, and 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: Nay, Morn, Siv, Thy, Un



Loan details


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Loan details