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Co Luong Group
In this Group: Duong, Giot, Huong, Nien, Hiem, Huong
Mrs. Huong, a 55-year-old woman, is the team leader of the Co Luong Group which consists of six Thai ladies. She works as a farmer with plenty of agriculture activities, such as: cultivating rice, vegetables, corn and breeding pigs, chickens and fish.

She is living with five other members of her family, including her husband, a son and his wife, who are also farmers, and her two grandchildren who are in secondary school.

This is her 4th loan cycle in the Anh Chi Em Program. She said that the loans in previous cycles, which she used to invest in breeding pigs, brought high profits to her business. However, several months ago she faced the difficulty of foot-and-mouth disease in her pigs and lost income from the pigs. This time, she wants to use a portion of the loan to buy piglets.

She hopes that through this loan and the training from Anh Chi Em, she could earn a higher income for her family so that her grandchildren could attend school fully and go to college in the future.

In the picture, Huong is holding a herbaceous branch.

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
  • 126
    View loans »
    Vietnam Loans Fundraising
  • $15,326,650
    Funds lent in using Kiva
  • 21,075.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Co Luong Group's $1,100 loan helped a member to buy piglets.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 27, 2013
Jan 4, 2014
Currency Exchange Loss:
Jan 17, 2015