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Mrs. Tha Arn Village Bank Group
In this Group: Tha, That, Sariem, Nav, Hoeurn, Roeurn, Saran, Thet
This village bank loan group consists of eight people who live in Aleng Village in Kampong Chhnang Province.

Mrs. Tha A. was selected by the members to be the village bank president. She is a basket maker in the local village. Her husband, Mr. Leng Chamroeurn, collects palm juice, which is processed into palm sugar or wine. He now faces a problem, because he cannot climb up the palm tree. To deal with this problem, Mrs. Tha A. has decided to ask for a loan to buy bamboo to tie to the palm tree, so her husband can climb up to gather palm juice.

Mrs. Tha A. is 24 years old and the mother of four children. Two of her children attend the local school. The two youngest are ages four months and five years old.

This is a village bank loan consisting of mainly end-of-term loans. Six members have end-of-term loans and the rest have 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
  • 63
    View loans »
    Cambodia Loans Fundraising
  • $41,769,850
    Funds lent in using Kiva
  • 4,148.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Tha Arn Village Bank Group's $700 loan helped a member to buy bamboo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 18, 2008
Jan 13, 2009
Currency Exchange Loss:
Dec 15, 2009