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Raem's Group
In this Group: Raem, Phouy
Raem is 47 years old. She is rice farmer in a rural village of the Battambang province’s Sangke district in Cambodia. She has four children, two of whom are dependent on her and still attend school in the local area. In addition to rice farming, she has been growing corn on two hectares of farmland for 20 years. She earns approximately 30,000 KHR per day from her current business and manages to save 10,000 KHR each day after deducting daily expenses.

Raem has been with Kiva’s partner, VisionFund, for three cycles. She completely repaid the previous loans, which have helped her to better support her current business. Now she and her group member would like to request another loan with VisionFund of 1,400,000 KHR and 600,000 KHR respectively. As the leader, Raem will use her portion to buy fertilizer and seeds for her farmland. In addition, she will use a portion of it to pay labor fees. Through this loan, she hopes to obtain a high yield from her plantation business so as to maintain her good progress improving her lifestyle and to keep her children in school.

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
  • 284
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • 4,031.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Raem's Group's $500 loan helped a member to buy fertilizer and seeds for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 14, 2012
Nov 1, 2012
Currency Exchange Loss:
Oct 17, 2013