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Yak's Group
In this Group: Yak, Kimsreang
A villager living in a rural area of Tbaung Khmum district located in Kampong Cham province of Cambodia, Yak is a 32-year-old married woman with two dependent kids. Yak makes her living farming rice, and works for others as a paid worker. Yak’s husband also assists in the rice-farming business, and works an additional job as a motor-taxi driver in order to earn extra income for the family.

A first-time borrower, Yak is leading a female group member who also is a first-time borrower with Kiva’s partner, VisionFund, to take out a loan of 1,350,000 KHR in total. As group leader, Yak will use some portion of her loan to buy fertilizer to apply to her farmland, and use the other portion to fix her husband’s motor-taxi.

Her hope in the future, after receiving her loan portion and efficiently using it, is to run her business smoothly so that she can generate more income for the family.

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
  • 49
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • 4,040.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Yak's Group's $350 loan helped a member to buy fertilizer.
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