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Hòa is 43 years old and she is married with two children. Hòa lives with in Hoang Hoa district, a rural town in Thanh Hoa province. Mrs. Hòa operates a fishing business. Hòa has been involved in this business for more than 10 years.

In 2014, Hòa joined Thanh Hoa Fund for Poor Women to improve her business. This is Hòa's first loan from Thanh Hoa Fund for Poor Women.

The main hardship that Hòa faces in her life is not having a latrine, so her family shares a neighbor’s latrine. She is requesting a loan to purchase sand, cement and brick to build a toilet.

Hòa hopes that her children will find good jobs, to buy land of her own, and to make enough money to provide for her kids with her business profits.

Additional Information

More information about this loan

This loan is part of FPW’s initiative to provide access to clean water and improved sanitation facilities to low income Vietnamese households. With the help of strategic alliances, FPW has designed a product focused on building latrines, providing septic tanks and water filters, and improving existing hygiene facilities.  
FPW will provide a grace period in certain cases to make this product more affordable to clients, and will provide health and environmental training sessions to help build awareness on the benefits of water and sanitation initiatives. By funding this loan, you are helping improve sanitation and access to clean water.

About Thanh Hoa Microfinance Institution Limited Liability (Thanh Hoa MFI)

Thanh Hoa MFI works to provide credit to women and their families in the central Vietnamese province of Thanh Hoa, one of the poorest regions of the country. The institution's target clients are poor and low-income women who have the ability to work but lack the capital. Accordingly, Thanh Hoa MFI prioritizes single mothers, low-income women with children who have dropped out of primary school, and Viet Nam’s poorest women who cannot access any formal financial services.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Vietnam

  • $5,600
    Average annual income
  • 99
    View loans »
    Vietnam Loans Fundraising
  • $15,324,625
    Funds lent in using Kiva
  • 21,075.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Hòa to purchase sand, cement and brick to build a toilet.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 24, 2014
Apr 8, 2014
Currency Exchange Loss:
Sep 17, 2015