A loan of $2,425 helped a member to buy more rice to make wine for her business.


Mrs. Chan Khat Village Bank Group's story

TwenT.-fO. people living in Preak Ta Thok village in Kandal province comprise this village bank loan, and they will use the loan for various purposes.


Mrs. Chan K. is a 47-year-old village bank president. She is a pig breeder. Her husband, Mr. Ur Thy, is a farmer who owns a 1-hectare (2.5 acre) field of land on which to cultivate rice. Aside from those careers, they use the rice to make wine to sell. In this business, they face an obstacle because they do not have enough money to buy rice to make wine in order to do well. Thus, Mrs. Chan K. decided to ask for a loan to buy more rice to make wine for her business. She has two children, one of whom stays at home to do housework and the other is attending the local school.


Mr. Soklorn M. did not come to get his loan but his wife did, so she is presented in the picture instead.


While most of the members in this group loan have monthly-payment loans, nine members have end-of-term 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: Chan, Srey Lao, Sav, Sa Eam, Thol, Arth, Sarem, Theary, Chantho, Chanthorn, Soklorn, Saro, Savoen, Sokvy, Khem, Meu, Pao, Mary, Sokhom, Bopha, Ol, Ratana, Channy, Thy



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Loan details