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


Mrs. Yam Soeung Group's story

Mrs. Yam S. was selected by fellow members to be the group leader of five people requesting a loan in Tumnob Leu Village in Kampong Cham Province. Mrs. Yam S. is 42 years old, and the mother of seven children. Two of her children are employed in a garment factory; another four attend the local school; and her youngest child is too young for work or study. Mrs. Yam S. 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. Eing Chea, owns a small piece of land on which he cultivates rice.


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: Yam, Pheourng, Vorn, Muth, Moeurn



Loan details


Lenders and lending teams



Loan details