A loan of $2,525 helped a member to fix the motorbike he uses to earn a living.


Mr. Sarom Rous Village Bank Group's story

Twenty-one people living in Preak Treing village in Kandal province comprise this village bank, and they will use the loan for various purposes. For example, Mr. Sarom R., the 43-year-old village bank president, is a motorbike taxi driver. He now faces a problem because his motorbike is an old one and he usually pays a lot of money to repair it. Thus, he is requesting a loan to fix his motorbike. His wife, Mrs. Ngon Chanthon, is a housewife. Mr. Sarom R. is the father of a child who is attending the local school.

Three members in this group loans 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: Sarom, Shiphon, Shithim, Shithy, Thach, Hun, Sophoen, Lorn, Heong, Lee, Soeun, Phanna, Sokhoen, Mom, Kung Kea, Sam Arth, Samoeun, Chinda, Teang Lee, Yan, Sak
*not pictured



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