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Sinat is a citizen from a rural area located in Kampong Cham Province’s Kang Meas District, where farming rice is a common business to make a living. She is married, and is the 52-year-old mother of three children. One of her children is at school. To feed her household, she earns a living through farming rice and growing vegetables. Her husband is a construction worker in the local area to supplement the income. She and her husband are able to earn up to US $7 per day from this business, in which she has been working for 17 years. She can manage to save only US $3 each day for future needs.

Sinat has been with VisionFund for three cycles, and she completely repaid the loan. Now, she is asking for an education loan to pay the tuition fee for four years of her son’s bachelor degree majoring in information technology.

Sinat hopes that her son will have a good and bright future from this academic study, and will earn a better living in the future.

Additional Information

More information about this loan

This loan is part of VisionFund Cambodia’s higher education program, designed to provide financing to students in poor households who otherwise lack the financial support to continue their studies. Very few students have the financial resources necessary to go to college. VisionFund Cambodia has designed a lower-interest rate loan product for students, given the financial benefits associated with financing this loan upfront on Kiva. It is disbursed to the borrower in annual installments.

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.


About Cambodia

  • $2,600
    Average annual income
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,900 helped Sinat to pay the tuition fee for four years of college education for her son.
0% repaid
Repayment Term
86 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Oct 28, 2013
Currency Exchange Loss: