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Phos' Group
In this Group: Phos, Hav, Baet, Heav, Vandy
Phos, a villager from the Srey Snom district of Siem Reap Province, is 26 years old and a mother of two little kids. She is a rice farmer who can earn almost 30,000 KHR per day after being involved in her business for six years. Including this loan, she is a second cycle borrower with VisionFund (Kiva’s partner). She has repaid her past loan completely and it enabled her to improve her living conditions at a gradual pace. For this cycle, she leads a group of four other women to get a new loan. As the leader, she will spend her entire loan portion to pay for plowing fees and to buy fertilizer for her crop. She strongly believes that she can gain a better yield.

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.

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 Cambodia

  • $2,600
    Average annual income
  • 48
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • 4,010.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Phos' Group's $575 loan helped a member to pay for plowing fees and buy fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 9, 2014
Jun 11, 2014
Currency Exchange Loss:
Jun 17, 2015