A loan of $2,575 helped a member to buy more palm sugar to resell.


Mrs. Na Lam Village Bank Group's story

TwenT. three people living in Ou Roung village in Kampong Chhnang province comprise this village bank loan, and they will use the loan for various purposes. Mrs. Na L., the 50-year-old village bank president, is a palm sugar seller. Since her business is doing well, she wants to expand it by purchasing more palm sugar to resell to earn income. Thus, she decided to ask for a loan. Her husband, Mr. Sam Lim, is a worker who earns a little salary to support the family. Mrs. Na L. has three children, one of whom sells firewood while the others are attending the local school. Mrs. Krok Mom and Mr. So Sopheak who are group guarantees and are also presented with the village bank members in the picture.

TwenT. members in this group loan are 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.

In this group: Na, Sat, Yom, Phon, Sophal, Chanly, Sophat, Srey, Sary, Ny, Sokhheang, Tom, Channy, Yan, Choeun, Sothea, Torn, Sarin, Sarum, Reth, Sokha, Yi, Sina



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