A loan of $1,325 helped a member to buy a cow to start cow-breeding business..


Mr. Vy Khut Village Bank Group's story

The Village Bank loan group consists of nine people who live in Trapeang Thum Village in Kampong Cham Province. Mr. Vy K. is the Village Bank president and a farmer. His crops generate an income that is too small for his family to live on, so he has decided to ask for a loan to buy a cow to start a cow-breeding business. His wife, Mrs. Suon Neang, helps him on their farm. Mr. Vy K. and his wife have four children, two of whom are in construction while the other two attend a local school.

All the members of this group have applied for end-of-term loans, so 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 they are most beneficial to Cambodia’s poor. These loans allow them to repay portions of the principal whenever they are financially able. 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 loans.

In this group: Vy, Kin, Sampois, Yeourn, Koeurn, Soth, Shall, Chorn, Kheang
*not pictured



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Loan details