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Ratha's Group
In this Group: Ratha, Sophea
Ratha, 28, lives in a rural village of the Mongkul Borey district of Pursat province. He is married with two sons. He and his wife earn a living by farming rice and planting vegetables. Having been in the business for about five years, he can earn about KHR36,000 per day; he manages to save about KHR20,000 each day for future needs.

Ratha's group consists of two people. He has been a member of VisionFund for five cycles; the other group member is in the second cycle. Ratha successfully used past loans to better support his living conditions, and to buy some basic household necessities for the family.

He is now leading his group to apply for a loan with VisionFund. He will use his portion to buy fertilizer for his farmland.

He hopes to increase his business, and earn more income to make a better living.

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
  • 117
    View loans »
    Cambodia Loans Fundraising
  • $35,445,525
    Funds lent in using Kiva
  • 4,000.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ratha's Group's $375 loan helped a member to buy fertilizer for his farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013