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Toeurm's Group
In this Group: Toeurm , Saly
Toeurm is 42 years old and married. She has six children, four of whom still rely on her since three of them are still in school and one is too young for schooling.

To struggle for a living, Toeurm grows rice on three hectares of land and plants corn on one hectare. She has been engaged in this business for 22 years, earning about KHR 23,500 per day.

This is not the first loan for Toeurm with Kiva's partner, VisionFund Cambodia. She has repaid her past three loans with success and they have enabled her to improve her lifestyle, better than before.

For this cycle, she leads a group of two to apply for a new loan. As the leader, she will spend her loan portion to buy fertilizer for her farmland. She hopes to gain a high-yield from her cash-crops and to triple her income.

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
  • 36
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 3,985.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Toeurm's Group's $325 loan helped a member to buy fertilizer for her farmland.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jun 17, 2013
Jul 22, 2013
Currency Exchange Loss:
Apr 16, 2014