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Toch's Group
In this Group: Toch, Sitha
Toch is 33 years old and married. She has been blessed with five children, who currently are studying at the local state school in the area. She manages one hectare each of cassava and rice cultivation. She has been in this business for 15 years, and she earns about 23,600 KHR per day.

Toch has been with VisionFund for five previous loan cycles and has completely repaid her past loans with success. The loans have provided her sufficient decent daily food for her kids and improved her living conditions, at a good pace. Now Toch is in a group of two, to apply for a new loan. She and her co-borrower are seeking the amount of 1,400,000 KHR, each. As group leader, Toch will use her loan portion to buy fertilizer and pesticide, and to pay the plowing fee for preparing her farmland. She has high hopes that she can increase her crop yield and sell her cassava and rice at high prices, to improve her living standard.

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
  • 260
    View loans »
    Cambodia Loans Fundraising
  • $38,106,725
    Funds lent in using Kiva
  • 3,984.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Toch's Group's $725 loan helped a member to buy fertilizer and pesticide, and to pay the plowing fee for preparing her farmland.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Feb 19, 2013
Mar 22, 2013
Currency Exchange Loss:
Feb 19, 2014