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Sal's Group
In this Group: Sal, Poeurt, Navy, Veth
As a mother of three children who are too young for schooling, Sal needs to maintain her household via growing rice on her three hectares of farmland and planting pineapple on a half-hectare area. She has been with this business for 12 years.

As her crop depends mainly on rainfall, sometimes she has received only minimal harvest when there is not enough rain. Sal's past loan with Vision Fund (Kiva's partner) was the first loan, which has supported her business and which she has paid back already.

Now she is in a group of four members. She and one of her fellow group members are in second-cycle loans, requesting 1,200,000 KHR each, while the other two borrowers are in first-cycle loans, applying for 1,000,000 KHR each.

As the group leader, she will use her portion to buy fertilizer for her crops. She truly believes that she will receive a higher yield than before and earn more profit.

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
  • 42
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 4,057.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sal's Group's $1,100 loan helped a member to buy fertilizer for her crop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 24, 2012
Oct 2, 2012
Currency Exchange Loss:
Sep 17, 2013