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04-07-07-Nam Ngạn Group
In this Group: Ngát, Nhân, Huệ, Nga, Nguyệt, Lượng, Hệ
Mrs. Ngát has a retail business selling dry food. She is asking for a loan to buy dry food to resell.

Ngát is 53 years old and she is married with three children. She is the group leader of the 04-07-07-Nam Ngạn solidarity group, which consists of 7 members. She lives and works in Thanh Hoa city, a urban area in Thanh Hoa province, with 2 dependents.

In 2005, Ngát joined the Thanh Hoa Fund for Poor Women to improve her business. Ngát has successfully repaid seven loans from the Thanh Hoa Fund for Poor Women. Ngát has been involved in her retail business for five years. The main challenge that Ngát faces in her business is the lack of capital.

With the profits from her business, Ngát hopes for her children to find good jobs, for her family to be healthy and happy, and for her business to do well.

Additional Information

About Thanh Hoa Microfinance Institution Limited Liability (Thanh Hoa MFI)

Thanh Hoa MFI works to provide credit to women and their families in the central Vietnamese province of Thanh Hoa, one of the poorest regions of the country. The institution's target clients are poor and low-income women who have the ability to work but lack the capital. Accordingly, Thanh Hoa MFI prioritizes single mothers, low-income women with children who have dropped out of primary school, and Viet Nam’s poorest women who cannot access any formal 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 Vietnam

  • $5,600
    Average annual income
  • 103
    View loans »
    Vietnam Loans Fundraising
  • $14,749,225
    Funds lent in using Kiva
  • 21,084.9
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of 04-07-07-Nam Ngạn Group's $3,000 loan helped a member to buy dry food to resell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 14, 2013
Oct 22, 2013
Currency Exchange Loss:
Apr 17, 2015