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Na Sang 1 Group
In this Group: Ly, Ma, Hua , Lien, Phong*, Hoai, Yen
* not pictured
Ly is a 34-year-old woman of Lao minority. She is living with her father, younger brother, who is 20 years old, and her child, who is 6 years old. When her child was born, she divorced her husband because he was using opium drug. Despite financial difficulties, she sends her child to school.

Ly and her father and her brother are working as farmers. They're planting rice, cereal, vegetables and coffee, and raising pigs and some other cattle. This is the 4th cycle of loans and she will use the money to rent a machine to level the field they are preparing for the next crop. She says that it's hard to obtain capital to do her business so she's thankful to ACE and Kiva's lenders who help her deal with this problem.

She hopes that her child will complete junior high school and be successful in the future so that her family's life will be improved. In the picture, Ly 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 Vietnam

  • $5,600
    Average annual income
  • 87
    View loans »
    Vietnam Loans Fundraising
  • $14,828,875
    Funds lent in using Kiva
  • 21,050.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Na Sang 1 Group's $1,450 loan helped a member to rent a machine to level the field.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Dec 24, 2013
Dec 29, 2013
Currency Exchange Loss:
Dec 17, 2014