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Siem's Group
In this Group: Siem, Nok
A 48-year-old, Siem is a villager who lives in a rural area of Pursat province’s Kror Kor district in Cambodia. She is married and a mother of eight children, four (three daughters and a son) of whom are dependent on her and currently in school. To offer a decent life to the family, Siem and her husband have been working as rice farmers for more than twenty years. To supplement the income, Siem also has a business raising pigs. Each day, Siem and her husband can earn around 11,000 KHR and save approximately 4,000 KHR after taking out the daily cost of living.

Siem, a second-time borrower with VisionFund (Kiva’s partner), is leading a group member who also is a second-time borrower to take out a new loan of an amount of 800,000 KHR each. The group leader Siem states that the previous loan has enabled her to guarantee food needs and better support the family. This time, Siem will spend her loan portion on buying fertilizer to help keep her rice field in good shape. After receiving and wisely using the loan, Siem highly believes that her rice field will provide her with a good-quality crop so that she can boost her income and better support her beloved kids’ education.

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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • 4,000.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Siem's Group's $400 loan helped a member to buy fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 14, 2012
Feb 1, 2013
Currency Exchange Loss:
Jan 18, 2014