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Thoa's Group
In this Group: Thoa, Huong, Dung, Mai, Tien
Thoa was born in 1979. She has two children who are in the 10th and 6th grade of school. Her husband is a driver to earn a living. He earns about 7,000,000 VND per month. Thoa grows rice and she earns about 3,000,000 VND per month. She has done this job for a long time. Besides that, she also sews to earn more money. Her family’s total earnings are about 10,000,000 VND per month.

Thoa's challenge in life and work is lack of capital to invest in her business. Her dream is having enough capital to expand her business, so she doesn't need to borrow from anyone else. This loan is one of steps to helping her reach this dream. She can invest in her business to gain earnings and save her profits. Thoa is a hardworking woman and a passionate businesswoman.

She has participated in SEDA's credit program since 2010. In the last loan cycle, she borrowed 8,066,000 VND and repaid on time. In this loan cycle, she would like to borrow 9,810,000 VND to buy materials and sewing machines to expand her sewing business.

Other members who are part of Thoa's group include the following:
Huong is 37 years old. She has two children. She sells motorbikes. She wants to borrow 9,810,000 VND to invest in her business.
Dung is 38 years old. He has three children. He sells groceries. He wants to borrow 9,810,000 VND to invest in his grocery store.
Mai is 24 years old. She has a child. She sells clothes. She wants to borrow 6,758,000 VND to invest in her business.
Tien is 45 years old. He has two children. He cooks food to sell. He wants to borrow 6,758,000 VND to invest in his business.

Additional Information

About SEDA:

The Center of Small Enterprise Development Assistance (SEDA) is a non-profit organization whose vision is to create “a society without poverty.” Founded in 2004, SEDA provides microfinance services to low-income and disadvantaged people in rural areas of Hanoi and the northern provinces of Vietnam through its Binh Minh Micro-Finance Program.

You can also join SEDA’s lending team to assist SEDA in continuing to support its portfolio of borrowers.

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 Vietnam

  • $5,600
    Average annual income
  • 88
    View loans »
    Vietnam Loans Fundraising
  • $14,449,625
    Funds lent in using Kiva
  • 21,217.9
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Thoa's Group's $2,025 loan helped a member to buy materials and sewing machines to expand her sewing business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 26, 2013
Aug 17, 2013
Currency Exchange Loss:
Jul 17, 2014