A loan of $1,625 helped a member to buy piglets to start a pig breeding business.


Mrs. Sophat Brang Village Bank Group's story

The village bank consists of twelve members and is located in the Tuol Tbaeng village in Takeo Province. They plan to use the loan which they have obtained for different purposes.

Mrs. Sophat B. is the village bank president who has been selected by the other members. She is 32 years old and the mother of four children who are attending the local school. She is a farmer who owns a piece of land that shes uses to cultivate rice. Her husband, Mr. Chea Thoeun, is a teacher in the local school and makes a small salary of which cannot improve his household's living conditions by much.

Even though they have different business activities, they still earn too little income to support their family. In order to improve their living conditions, Mrs. Sophat B. has decided to ask for a loan to buy piglets to start a pig breeding business. She hopes to increase their combined income and provide a better life for her children.

Two members in this village bank loan possess end-of-term loans and the rest of have monthly payment loans. These members 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 their payments many months before the end of the loan term. Almost all of AMK’s client 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: Sophat, Saroeurn, Lou, Sarin, Saroeurn, Some Thearith, Am Thona, Keang, Sopheap, Phun, Touch, Yut



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