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Heang's Group
In this Group: Heang, Kimroert
A 49-year-old mother, Heang is a paddy farmer in the Ek Phnom district of Battambang province. She has seven children in total, only two of whom are still under her responsibility as they are in school. To tackle daily expenses, rice farming is the main source of her income and working for others for a fee is her additional income. It is the only business owned by her that she has been with for 10 years. Her main challenge is the unpredictable flood which destroys her crop.

Heang is the leader of this group of two. She has been with VisionFund (Kiva's partner) for ages, having taken out eight loans. She has managed her loans with success in order to keep up a good pace of her business and improve her living conditions gradually. Now, she and her group are seeking a loan of 1,000,000 Riels (KHR) each. She is going to spend her loan portion on fertilizer, seed, and a plowing fee. She hopes to grow her crop on time and receive double income.

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
  • 47
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • 4,032.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Heang's Group's $500 loan helped a member to buy fertilizer, seed, and to pay for plowing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Nov 2, 2012
Currency Exchange Loss:
Oct 17, 2013