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Saem's Group
In this Group: Saem, Seam, Sao
Originally from a rural area of the Mongkul Borey district of Banteay Meanchey province, Saem, 61, is married with four children and she still has one son dependent on her. Like other villagers in the village, she and her husband earn a living through farming rice on two-hectares of farmland and she supplements the family’s income by planting flowers for sale. Having been in this business for nearly thirty-five years, the current business earns her about 22,000KHR per day.

Saem received her first loan with Kiva’s partner, VisionFund, four cycles ago and she has completely repaid the loans. She has successfully used the loans to improve her livelihood and has been able to afford to buy a water pump and a motorbike for her family. With a good business, she is leading her other two members to apply for a loan of 1,000,000KHR each. As the leader, she is going to use her portion to buy fertilizers for her farmland. She hopes to make more rice and earn more income so as to set aside some savings for her future needs.

Additional Information

About VisionFund Cambodia

VisionFund Cambodia is a Christian organization and microfinance institution that provides small loans and other financial services to improve the lives of children, empower poor women and their families, and grow successful businesses. The organization works primarily in rural parts of Cambodia and has distinguished itself by targeting the very poor who require smaller loan sizes, regardless of religious beliefs, gender or ethnic background.

Kiva lenders’ funds will help the organization to expand into the northeastern provinces of the country, which have historically been underserved and difficult to reach with financial services.

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
  • 275
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • 4,085.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Saem's Group's $750 loan helped a member to buy fertilizers for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Jul 12, 2012
Currency Exchange Loss:
Jul 17, 2013