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Phal's Group
In this Group: Phal, Sopheng, Phan
Phal is 56 years old and married with seven children, one of whom is still in school. To make a living, she has been working as a rice farmer for 33 years in her village and her husband is a paid worker to help support the family. The current business earns her family about 23,000 KHR per day to feed their children.

Phal has just connected with Kiva’s partner, VisionFund. Now she is leading her group to apply for another loan with VisionFund. As the leader, she will use her portion to buy fertilizer for her farmland. She hopes this loan will enable her to earn more income from her farmland so as to make a Better 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
  • 299
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • 4,086.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Phal's Group's $625 loan helped a member to buy fertilizer for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 27, 2013
Oct 10, 2013
Currency Exchange Loss:
Sep 17, 2014