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Novaryyas' Group
In this Group: Novaryyas, Nin
Novaryyas, age 33, is a resident of a rural village located in the Dambae district of Kompong Cham Province. She is married and a mother of one child.

To make a living, she has been running a small stall for 10 year to sell cookies, ice, and breads as her main source of income. To generate additional income, she also grows cassava and plants rubber tree seedlings. The current businesses earn her about 30,000 KHR per day.

Now she leads a group of two; this is the second cycle for Novaryyas as well as her other group member. The first loan, which she has repaid, has helped her to grow her cassava in a timely way and improve her livelihood. Therefore, she is confident in applying for a new loan of 1,000,000 KHR to plant more rubber tree seedlings to earn more income. She hopes that she will maintain her standard of living.

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
  • 266
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • 4,102.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Novaryyas' Group's $500 loan helped a member to plant more rubber tree seedlings.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 26, 2012
Jul 27, 2012
Currency Exchange Loss:
Jul 17, 2013