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09.02.03 - Phú Sơn3 Group
In this Group: Ngân, Phương, Thắng, Hường, Thảo
Ngân is 47 years old, and she is married with 2 children. Her children are grown up so she lives with no dependents in Thanh Hoa city, an urban town in Thanh Hoa province.

She has a retail business of selling in her general store. She has been involved in this business for more than 10 years. The main hardship that she faces in her business is the lack of capital. She is requesting a loan to purchase candy, milk and sugar for resale.

Ngân is the group leader of the 09.02.03 - Phú Sơn 3 solidarity group, which consists of 5 members. This is her first loan with Thanh Hoa Fund of Poor Women. In the future, Ngân hopes for her children to find good jobs, for her business to do well and to build a new house.

Additional Information

About Thanh Hoa Fund for Poor Women (FPW)

Thanh Hoa Fund for Poor Women (FPW) works to provide credit to women and their families in the central Vietnamese province of Thanh Hoa, one of the poorest regions of the country. The institution's target clients are poor and low-income women who have the ability to work but lack the capital. Accordingly, FPW prioritizes single mothers, low-income women with children who have dropped out of primary school, and Viet Nam’s poorest women who cannot access any formal 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 Vietnam

  • $725
    Average annual income
  • 15
    View loans »
    Vietnam Loans Fundraising
  • $12,540,600
    Funds lent in using Kiva
  • 20,833.3
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of 09.02.03 - Phú Sơn3 Group's $1,275 loan helped a member to purchase candy, milk and sugar for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Dec 24, 2012
Currency Exchange Loss:
Jan 17, 2014