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Kimrat's Group
In this Group: Kimrat, Yen, Born
With two school-aged dependent children, Kimrat is a 26-year-old mother who struggles to make a living growing corn. She has been in this business for 10 years and is able to earn up to 22,200 KHR per day. From her current income, she is able to save up to 5,800 KHR each day after expenses.

Kimrat and one of the co-borrowers are in their sixth loan cycle and are requesting a new loan of 1,400,000 KHR each. They have joined with the third group member, who is a first-time borrower, requesting a loan of 1,000,000 KHR. Kimrat has managed her past loans wisely to upgrade her lifestyle and improve her business. She has fully repaid her past loans. As the group leader, Kimrat will use her loan portion to fix her house and get it in better condition. She hopes to own a decent house for her family so that she does not need to worry about her house's condition anymore and so she can pay more attention to her income-generating activities.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 47
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • 3,983.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kimrat's Group's $975 loan helped a member to fix her house and get it in better condition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Mar 1, 2013
Currency Exchange Loss:
Nov 19, 2013