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Krem's Group
In this Group: Krem, Am
Krem is 53 years old and married with three children. She lives in a rural village of the Ponhea Krek district where crop farming is a common way to make a living.

Like other villagers, rice farming and cassava planting have been Krem's main sources of income for 33 years. Her family’s daily income is about 23,000KHR.

Krem’s group consists of two members who are female. She is its leader and her first microloan with VisionFund. Krem wants to use her portion to buy fertilizers and cassava seeds to cultivate her land.

She hopes to grow her cassava fruitfully and healthily so as to improve her standard of living.

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
  • 41
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • 3,991.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Krem's Group's $400 loan helped a member to buy fertilizers and cassava seeds.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Apr 2, 2013
May 4, 2013
Currency Exchange Loss:
Apr 16, 2014