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Living in a rural area of the Chong Kal district of Cambodia, Ret is 52 years old and married. She has seven children. To make a living, Ret does rice farming, grows cassava, and supplements her income by selling dessert. Having been in this business for 30 years, she is able to earn about US $12 per day to meet the family’s needs.

Ret is a client in her first cycle with VisionFund. Now she is applying for an educational loan to pay for her son’s university tuition fee, faculty of finance and banking. She hopes this loan will enable her to send and keep her son in the university. She also hopes that her children will have a good and bright future from his academics and make 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
  • 257
    View loans »
    Cambodia Loans Fundraising
  • $37,529,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,875 helped Ret to pay for her son’s university tuition fee.
0% repaid
Repayment Term
50 months (Additional Information)
Repayment Schedule
Nov 1, 2013
Nov 30, 2013
Currency Exchange Loss: