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Mrs. Sine Keo Village Bank Group
In this Group: Sine, Samoeurn, Yung, Ya, Chhin, Korn, Tha, Sim, Veasna
This village bank loan group consists of nine people, located in Andoung Chros village in Kampong Chhnang province. Each of the members in this group will use this loan for different purposes. Mrs. Sine K. is the village bank loan group president. She owns a small restaurant where she sells rice soup to villagers and passerbys in the local village. Her husband, Mr. Leang Pinh, is a rice wine maker in the local village. Aside from this business, he is a breeder and raises fourteen pigs. Since this business is going well, he wants to expand it, so Mrs. Sine K. decided to ask for a loan to buy three more piglets for breeding. Mrs. Sine K. is 27 years old and the mother of five children. Three are attending the local school while the others stay at home as they are too young to work or study.

Two members in this village bank group loan are end-of-term loans and the rest are 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% on 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
  • 175
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • 4,161.7
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Sine Keo Village Bank Group's $1,175 loan helped a member to buy three more piglets for breeding.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 15, 2008
Jan 1, 2009
Currency Exchange Loss:
Jan 15, 2010