A loan of $2,525 helped a member to purchase more grocery goods for her inventory, and other various loan purposes..


Mrs. Leang Srou Village Bank Group's story

Thirty-one people, living in Tuol Khsach village in Kampong Cham province, comprise this village bank loan, and they will use the loan for various purposes. Mrs. Leang S., the 49-year-old village bank president, is a farmer who owns a piece of land to cultivate rice. Aside from this plantation, she is a grocer who owns a small grocery store in the local village. She does not have enough money to purchase more grocery goods. Thus, she decided to ask for a loan for this purpose. Mrs. Leang S. is a widow with five children, one of whom is employed in a garment factory, and three are attending the local school. The remaining is too young to work or study. Mr. Oark P. could not come to take a loan but his wife did, so she is presented in the picture. Mrs. Chea Tim, who is a group guaranteer, is also presented in the picture with the village bank members.

Twenty-seven members in this group have loans that are end-of-term, 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 do so. 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 loans.

In this group: Leang, Pau, Mao, Song, Taem, Rin, Soun, Tae, Thoeun, Keng, Phon, Pheang, Chrech, Yeurn, Thim, Oark, Koam, Ky, Keurn, Song, Lang, Him, Soa, Rein, Pheng, Choeb, Kun, Roeun, Yan, Seng Him, Min
*not pictured



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