A loan of $850 helped a member to buy more grocery products for her inventory.


Mrs. Morn Penh Village Bank Group's story

Mrs. Morn P. is the village bank president for nine people who are all living in Tropang Chom Village in Kampong Chhnang Province. All the members will use the loan which they have obtained for different purposes. For instance, Mrs. Morn P. is requesting a loan to buy more grocery products for her inventory since her business is going well. She hopes to increase her income and improve her living conditions with this new loan. Her husband, Mr. Chay Senh, helps her with the current business. Mrs. Morn P. is 61 years old and the mother of two children both employed in different positions in Phnom P. city, Cambodia. This is a village bank loan consisting of partially end-of-term loans. Four members have end-of-term loans and the rest have monthly payment loans. The EoT borrowers 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% on Kiva.

In this group: Morn, Mealea, Phally, Sareth, Saman, Heng, Sor Phorn, Phou, Sany*
*not pictured



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Loan details