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Muong Phang Group
In this Group: Lai, Hoi, Ong, Suoi, Thuong, Tuoi, Sang, Ui, Thoai, Anh*, Oi*
* not pictured
Suoi, 27 years old, is the team leader of Muong Phang Group, which consists of 11 ladies. She lives with her husband and 2 small children (ages 4 and 3 months old).

Her family is in a difficult situation because agriculture is the only source of income. The last harvest was bad and the pigs became diseased. For that reason, Suoi wants a loan from ACE to overcome her current problems and buy more pigs and chickens.

She hopes that through the loan and the knowledge gained from ACE training lessons, she can improve her income and have the ability to send the children to university.

In the picture, Suoi is standing first on 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
  • 83
    View loans »
    Vietnam Loans Fundraising
  • $14,427,750
    Funds lent in using Kiva
  • 21,039.3
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Muong Phang Group's $2,350 loan helped a member to buy pigs and chickens.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jan 12, 2014
Feb 1, 2014
Currency Exchange Loss:
Jan 17, 2015