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Hoa's Group
In this Group: Hoa, An, Tinh, Oanh, Lan
Hoa was born in 1962. She lives with her family in Bac Ninh province. She has two children. Her son is a worker and her daughter has gotten married. Her husband is a local agriculture worker, and he also works as a pig raiser.

She sells agricultural inputs to pay for their living. She earns about 4,000,000 VND per month and has done this job for 16 years. Her family’s total earnings are about 13,000,000 VND per month. Her challenge in life and work is the lack of capital to sell agricultural inputs. Her dream is to build up her business and to open a grocery store. This loan is one of steps to help her reach this dream.

Hoa is a hard working woman and also has a passion for her job. She has participated in SEDA's credit program since 2009. In this loan cycle, she would like to borrow 10,976,000 VND to sell agricultural products. She always wants to expand her business and have a better life in the future.

Other members who are part of Hoa's group include the following:

An was born in 1973. She has three children. She has a clothing store and wants to borrow 10,976,000 VND to buy clothing to sell.

Tinh was born in 1977. She has three children. She is a pig and chicken raiser and wants to borrow 10,976,000 VND to buy food for chickens and pigs.

Oanh was born in 1967. She has a child. She sells pillows and blankets to earn a living and wants to borrow 7,392,000 VND to buy pillows and blankets for retailing.

Lan was born in 1991. She has two children. She sells fruits to earn a living and wants to borrow 5,152,000 VND to buy fruits to sell.

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
  • 111
    View loans »
    Vietnam Loans Fundraising
  • $15,326,650
    Funds lent in using Kiva
  • 21,074.8
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Hoa's Group's $2,175 loan helped a member to sell agricultural products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 23, 2013
Nov 17, 2013
Currency Exchange Loss:
Nov 17, 2014