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Sem's Group
In this Group: Sem, Vert
Sem is a 53-year-old mother of six children living in a rural village of the Moung Russey district, Cambodia. To make a living, she and her husband have been farming rice on seven hectares of farmland for almost thirty-one years. The current business earns her about 30,000 KHR per day.

Sem has been with VisionFund for four cycles and has completely paid back the past loans while the other member has been with VisionFund for seven cycles. Sem has successfully used the loans to better support her family’s living condition from cycle to cycle. Now leading her group to apply for a loan, Sem will use her portion to buy fertilizer and rice seeds for her farmland. She hopes this loan will enable her to earn more income so as to make a 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
  • 262
    View loans »
    Cambodia Loans Fundraising
  • $37,492,150
    Funds lent in using Kiva
  • 3,984.6
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sem's Group's $675 loan helped a member to buy fertilizer and rice seeds for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 29, 2013
Currency Exchange Loss:
May 17, 2014