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Residing in the Ksach Kandal District of Kandal Province, Sitha is 45 years old and widowed. She has one daughter who is still in school. Sitha has struggled to make a living through working as a teacher for 20 years and supplementing the income by farming rice. She is able to earn about US$10 per day for supporting her daily expenses.
Sitha has never been with Kiva's partner, VisionFund, before. Now she is applying as a third-time borrower with VisionFund to pay for her daughter’s university fees. She hopes that the loan will enable her to keep her daughter in university to pursue her degree so he can find a good job after graduation.

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
  • 320
    View loans »
    Cambodia Loans Fundraising
  • $37,579,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,450 helped Sitha to pay for her daughter’s university fees.
0% repaid
Repayment Term
86 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Nov 10, 2013
Currency Exchange Loss: