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Nem's Group
In this Group: Nem, Ros
Nem, 50, resides in a rural area of the Tbaung Khmum district in Kampong Cham Province, Cambodia. She is married and has five children, some of whom are assisting in the family’s business, which is growing rice. To gain income for the family, Nem and her husband have worked as rice farmers for ten years, together earning around 10,000 KHR each day, from which they can save around 3,000 KHR for future expenses.

Nem is a second-time borrower with Kiva’s partner, VisionFund. The previous loans that Nem received helped her to secure food for her family, which made her so satisfied. Now she is leading a female group member, also a second-time borrower with VisionFund, to apply for a loan in the amount of 1,200,000 KHR each. With part of her portion of the loan, Nem will buy fertilizer to apply to her farmland; she will use the rest to cover the passport fees for some of her children, so they can work in Malaysia as paid workers.With the help of this loan, Nem hopes that she can improve her family's living conditions.

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
  • 223
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • 4,040.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nem's Group's $600 loan helped a member to buy fertilizer for her rice farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 26, 2012
Nov 4, 2012
Currency Exchange Loss:
Oct 17, 2013