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Sem lives in a rural village of the Bakan district of Pursat province, Cambodia. She is 59 years old and married with nine children, one of whom is still in school in the local area. To support her family, she has been working as a rice farmer for more than three years while her husband raises cows and buffalos. The current business earns her about US$7 per day to make a living and she can afford to save US$3 each day after expenses. Low crop yield as a result of drought and insects has been still a challenge for her business.

Sem has been with Kiva’s partner, VisionFund, for two cycles and fully paid back the past loans. She has wisely and successfully used the previous loans to enable her to buy a pumping machine for carrying water for her rice paddy. Now she is applying for a loan with VisionFund of US$625. With this loan, she is going to buy a decent motor vehicle for her family. She hopes this loan will enable her to have a motorbike as means of transportation to reduce traveling time.

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.

About Cambodia

  • $2,600
    Average annual income
  • 251
    View loans »
    Cambodia Loans Fundraising
  • $38,056,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Sem to buy a decent motorbike for commuting.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013