A loan of $1,775 helped a member buy water melon seeds and fertilizer to increase crop production.


Mrs. Sok Pat Village Bank Group's story

The village bank, which consists of seventeen members, is located in Hang Chhouk village in Kampong Chhnang province and they plan to use the loan which they obtained in different purposes. Mrs. S. P. is the village bank president who has been selected by the members. She is a farmer who owns a plot of land to cultivate both rice and vegetables. She now faces an obstacle because she does not have enough money to buy water melon seeds and fertilizer to support the field to make her crop more productive. In order to solve this problem, she decided to ask for a loan for her purpose. Her husband, Mr. Kam Mom, is a construction worker who can make a small income to support the family. Mrs. S. P. has two children, one of whom is attending the local school while other is too young to work or study.

Thirteen members in this group loans 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: Sok, Kosal, Sokhun, Sinoeurn, Thruon, Navy, Khea, Khai, Leng, Sok Khoeurn, Lang, Chanleng, Oun, Chan Ra, Sopha, Oun, Pearum



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