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Pa Bong 2 Group
In this Group: Binh, Cho, Hac, Hac, Son, Thinh, Thang, Thanh, Chieng, Nang, Yeu, Nang, Tan
Mrs. Thanh is 29 years old. She has been doing several jobs such as raising poultry and cattle and working on the rice paddies. Thanh also has to take care of her family of 6 members. She has two kids: one is in kindergarten and one of them was just born 3 weeks ago. Regardless of her health condition, Thanh has to return to work on the field in order to feed her family.

This is her 4th loan cycle with ACE and she wants to use her loan of 5,000000 VND to buy wood to rebuild her downgraded house as well as fertilizer for the next crop. It is Thanh's dream to be able to finance the education of all her children. She hopes all her children will finish college, attain good jobs and be financially independent. In the picture, Thanh is standing first from the right.

Additional Information

More information about this loan

Anh Chi Em (ACE) is an International NGO microfinance program that supports vulnerable and marginalized individuals in the severely underserved regions of Dien Bien and Muong Ang District in Dien Bien Province and in Northern Vietnam. Launched in 2007 by the French non-profit Entrepreneurs du Monde, ACE focuses on the financial inclusion of women from marginalized ethnicities and those affected by AIDS.
ACE offers two types of flexible loans alongside a voluntary savings program. The amortizing and bullet loans provide borrowers with key capital at an interest rate of 18%, compared to the national averages of 23.01%. The savings program pays clients 6% returns per annum.
Kiva lender’s funds help ACE to expand its services into new communes and more districts and offer loans to more vulnerable individuals. 

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Vietnam

  • $5,600
    Average annual income
  • 91
    View loans »
    Vietnam Loans Fundraising
  • $14,449,625
    Funds lent in using Kiva
  • 21,050.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Pa Bong 2 Group's $2,400 loan helped a member to buy wood for rebuilding downgraded house and buy fertilizer for the next crop.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Dec 24, 2013
Dec 29, 2013
Currency Exchange Loss:
Nov 17, 2014