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Mrs. Pao Soun Village Bank Group
In this Group: Pao, Yi, Sarim, Chean, Som, Chansim, Sam Arth, Sitha, Yann, Mom, Theng, Srey, Load, Chanthy, Mom, Sokhhim, Chanreang, Voeurn, Khhoeun, Khai, Phall
This village bank loan, led by Mrs. Pao S., a basket maker, consists of 21 members living in Ou Ta Sek Village in Kampong Chhnang Province. Each will use the loan for different purposes. For example, Pao’s husband, Mr. Va Chor, is a farmer whose field is currently infertile, so Pao is requesting a loan to purchase fertilizers to support his field and make it more productive.

Mrs. Pao S. is 35 years old and the mother of six children, all attending the local school. The two M. in the picture are there in place of their wives.

This is a village bank loan consisting of 16 end-of-term loans and 5 monthly payment loans. The former are not required to pay any principal on the loan until the very end of the term. End-of-term (EoT) loans are AMK’s main product because they are the most beneficial to Cambodia’s poor, allowing 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 a default rate of 0% with 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
  • 207
    View loans »
    Cambodia Loans Fundraising
  • $39,964,750
    Funds lent in using Kiva
  • 4,117.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Pao Soun Village Bank Group's $1,550 loan helped a member to purchase fertilizers to support her husband's field.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2008
Nov 27, 2008
Currency Exchange Loss:
Dec 15, 2009