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Toern is 31 years old and married. She lives with her husband and two children in a rural area located in the Ponhea Krek district of Cambodia. To make a living, Toern has been growing cassava and farming rice. To supplement the family’s income, her husband also works for others for a fee. The current business earns her about 70,000 Cambodian riels (KHR) per day, of which she can save about 50,000 KHR each day after paying her daily expenses.

Toern has been with VisionFund for five cycles and has completely paid back the past loans, which have helped better support her business. Now she is applying for a loan to buy fertilizers and pesticides for her farmland. She hopes this loan will enable her to earn more income from her rice paddy so as to sell the rice for a good price.

Additional Information

About VisionFund Cambodia

VisionFund Cambodia is a Christian organization and microfinance institution that provides small loans and other financial services to improve the lives of children, empower poor women and their families, and grow successful businesses. The organization works primarily in rural parts of Cambodia and has distinguished itself by targeting the very poor who require smaller loan sizes, regardless of religious beliefs, gender or ethnic background.

Kiva lenders’ funds will help the organization to expand into the northeastern provinces of the country, which have historically been underserved and difficult to reach with financial services.

About Cambodia

  • $2,600
    Average annual income
  • 302
    View loans »
    Cambodia Loans Fundraising
  • $37,552,375
    Funds lent in using Kiva
  • 3,964.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Toern to buy fertilizers and pesticides for her farmland.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Feb 5, 2014
Feb 27, 2014
Currency Exchange Loss:
Feb 20, 2015