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Mrs. Sam Ann Yem Village Bank Group
In this Group: Sam Ann, Son, Savy, Sophall, Leab, Phally, Ra, Pho, Yet, Phall*, Khat, Saroen, Sophy, Sok Kim, Srey, Kem Horn, Sok Khim, Samroen*, Sokha, Sokhom, Sambou, Kem Hoen, Srey Pao
* not pictured
Twenty-three people living in Srey Snom village in Kandal province comprise this village bank loan, and they will use the loan for various purposes.

Mrs. Sam Ann Y., the 37-year-old village bank president, is a farmer who owns a plot of land to cultivate rice. On this plantation, she faces a problem because she does not have enough money to hire laborers to harvest rice on her field. She has decided to ask for a loan for this purpose.

Her husband, Mr. Phan Vy, is a farmer who helps her. Mrs. Sam Ann Y. has four children, one of whom is employed in a garment factory, while another helps on the plantation and the others are enrolled in the local school.

Nine members in this group 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
  • 77
    View loans »
    Cambodia Loans Fundraising
  • $41,806,325
    Funds lent in using Kiva
  • 4,065.6
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mrs. Sam Ann Yem Village Bank Group's $2,600 loan helped a member to hire laborers to harvest rice on her field.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 9, 2009
Feb 1, 2009
Currency Exchange Loss:
Feb 15, 2010