A loan of $2,375 helped a member to purchase rice seed.


Mrs. Chan Soy Prok Village Bank Group's story

Seventeen people in Bér village in KampO. Chhnang province, Cambodia, have formed a village bank loan group and Mrs. Chan Soy P. is the village bank president. She owns a small restaurant where she sells rice soup as a breakfast food to the villagers. In addition, she is a farmer who owns a small piece of land to cultivate rice, but she does not have rice seed. In order to solve this problem, Mrs. Chan Soy P. decided to ask for a loan for this purpose. She is a 55-year-old widow with four children, two of whom are employed in a garment factory while the others attend the local school.

Ten members in this group loans will receive End-of-Term (EoT) loans and the rest will have monthly payment loans. In EoT loans, payment on principal is not required until the very end of the loan term but is allowed at any time that the borrower is able to make such a payment. The EoT loan is AMK’s main product because it is the most beneficial to Cambodia’s poor. Most clients start to make principal 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: Chan Soy, Sopheap, Sor Phea, Thea Vy, Ny, Bora, Phat, Phanly, Boreth, Sokhun, Sitha, Sophy, Sarin, Hom, Mo Ly, Sophea, Hun



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