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Tram's Group
In this Group: Tram, Kieu, Anh, Ha, Ha, Van, Chi*
* not pictured
Tram is 57 years old and lives with her three children and husband. Her husband is a laborer in a local company.

For the past 5 years, Tram has run a food stall from the front of her house to earn an income to support her family. Tram is the Group Leader of a 7-member loan group that lives in Ho Chi Minh City. In the picture, she is second from the right and wears a grey jacket. Each of the other group members request loans to fund income-generating activities.

Tram requests a loan to purchase better quality food to sell from her stall. She also wants to buy new furniture to attract more customers to her stall. She hopes this will enable her to better meet the needs of her customers and attract additional ones.

She also hopes that she will be able to increase her income and save money for any future difficulties facing her family.

Additional Information

About Capital Aid Fund for Employment of the Poor

Capital Aid Fund for Employment of the Poor (CEP) is a non-profit Vietnamese microfinance institution that operates in the provinces of southeastern Vietnam and the Mekong Delta. CEP's head office is located in Ho Chi Minh City. This institution’s mission is to work with, and for, the poor and poorest to realize sustained improvements in well-being through the provision of financial and complementary non-financial services in an honest, efficient, and sustainable manner. The non-financial services CEP offers to complement its basic credit and savings products include financial education, raising awareness of health and sanitation issues, and education scholarships for children.

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

  • $725
    Average annual income
  • 23
    View loans »
    Vietnam Loans Fundraising
  • $12,532,400
    Funds lent in using Kiva
  • 21,276.6
    Vietnam Dong (VND) = $1 USD
Paying Back

This loan has been fully funded!

A portion of Tram's Group's $3,775 loan helped a member to purchase better quality food and new furniture for her food stall.
83% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 9, 2014
Jul 15, 2014
Currency Exchange Loss: