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Noong Luong 4 Group
In this Group: Song, Lap, Luan, Tuoi, Tien, Thao, Yen, Muon*
* not pictured
Thao, 26, lives with her husband and two school-aged children.

Her family's main source of income comes from cultivating rice, planting vegetables, breeding 50 chickens, and raising a buffalo for ploughing. Taho's husband earns additional income to cover living expenses and tuition fees, as a construction worker.

Thanks to Thao's and her husband's effort, their children consistently attend school. However, Thao wants her children to have both a basic standard of living and an abundant life. For that reason, Thao is determined to expand her business and purchase small fish to increase yield.

Thao requests a loan from the Anh Chi Em Program. This is her 4th ACE loan. She said that she has benefited from both the money and the training received from ACE. ACE has helped her to develop her business since the first loan.

She dreams that her children will go to a well-known university and have a better life.

In the picture, Thao is standing first from 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
  • 76
    View loans »
    Vietnam Loans Fundraising
  • $14,795,725
    Funds lent in using Kiva
  • 21,060.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Noong Luong 4 Group's $1,950 loan helped a member to buy small fish.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Apr 15, 2014
May 4, 2014
Currency Exchange Loss:
May 1, 2015