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Ban Banh Tl - D12 Group
In this Group: Bun*, Pinh, Un, Pinh, Thien, Vui, Huong
* not pictured
Huong is a 30-year-old Thai woman and lives in a family of 8 which include her in-laws, husband, two siblings and two children.

Her family relies on agricultural activities such as cultivating rice, vegetables, and fruit and raising cattle, chickens and fish.

In order to cover tuition fees for her two school-aged children, a 4th and 1st grader, Huong's husband works for a local construction company. Despite all her efforts, her school of fish died this winter. This incident has brought even more difficulties to her family.

Huong hopes that her children will escape the vicious circle of poverty by sending them to school. Regardless of the bad situation now, Huong doesn't stop trying. She will use this loan to buy pig and fish food.

In the picture, Huong is second from the left.

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
  • 83
    View loans »
    Vietnam Loans Fundraising
  • $14,420,500
    Funds lent in using Kiva
  • 21,039.3
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Ban Banh Tl - D12 Group's $1,500 loan helped a member to buy food for pigs and fish.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jan 11, 2014
Feb 1, 2014
Currency Exchange Loss:
Dec 17, 2014