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Pheary, 23, lives in Banteay Mean Chey province. Her family’s main source of income is from their cassava farm. Out of her six siblings, she is one of the three lucky ones who her parents can afford to keep in school until she graduates from high school. Pheary wants to continue her studies at the university in Siem Reap province and specialize in accounting. Her lack of financial support, however, challenges her ambition to do so. Therefore, she has decided to apply for an education loan from VisionFund, Kiva’s partner. She will use it to pay for university fees and buy school materials. Pheary’s desire is to find a good job after graduation so she can help her family to better its living standards.

Additional Information

More information about this loan

This loan is part of VisionFund Cambodia’s higher education program, designed to provide financing to students in poor households who otherwise lack the financial support to continue their studies. Very few students have the financial resources necessary to go to college. VisionFund Cambodia has designed a lower-interest rate loan product for students, given the financial benefits associated with financing this loan upfront on Kiva. It is disbursed to the borrower in annual installments.

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.

About Cambodia

  • $2,600
    Average annual income
  • 123
    View loans »
    Cambodia Loans Fundraising
  • $35,859,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,200 helped Pheary to pay for university fees and buy school materials.
12% repaid
Repayment Term
56 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Apr 22, 2013
Currency Exchange Loss: