A loan of $2,025 helped a member to fix her husband’s cart to re-start his business.


Mrs. Salorn Meak Village Bank Group's story

This village bank which consists of seventeen people is located in Kandal Kraom village in Kandal Province. Mrs. Salorn M. is the village bank president who has been selected by the members. She is a farmer who owns a 0.3-hectar plot of land on which she cultivates rice. Her husband, Mr. Morn Samoeurn, uses his motorbike as a carry cart in order to transport goods and passengers for an income. The business is not going well because his cart is too old. This makes his passengers feel uncomfortable. To deal with this problem, Mrs. Salorn M. decided to ask for a loan to fix her husband’s cart to enable him to re-start his business. Mrs. Salorn M. is 28 years old and the mother of two children. One child is enrolled in the local school, while the youngest one is five years old.
This is a village bank loan consisting of mainly end-of-term loans. Five members have end-of-term loans and the rest have monthly payment loans. They 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% to Kiva.

In this group: Salorn, Krech, Sok Eng, Sokhorn, Sokhoeun, Sokha, Vanny, Chan, Mo, Nary, Chham, Pha, Navy, Ei, Phanny, Sokha, Touch



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