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Living in a wooden house with her family members in a rural village of the Ou Dong district, Lay is aged 51 years and married with four children. To make a living, she has been selling clothes and grocery items in the market nearby her home. Together, they have been in this business for 10 years.

Lay is just beginning with VisionFund this loan cycle. Now, she is applying for an education loan to spend on the tuition fee for her son’s university studies with the faculty of Finance and Banking. She hopes this loan will enable her to keep her son in university until his 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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Lay to spend on the university tuition fee for her son.
100% repaid
Repayment Term
50 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Nov 25, 2013
Currency Exchange Loss:
Dec 20, 2014