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Thuy's Group
In this Group: Thuy, Thu, Thao, Hoi, Chi, Bich
Thuy is 62 years old and lives with her son and her husband. For the past 12 years Thuy has worked as a manual labourer to earn an income to support her family. She is the Group Leader of a 6-member loan group whose members live in Ho Chi Minh City. In the picture she is the first from the right wearing a striped shirt.

Each of the other group members is requesting a loan to fund income-generating activities. Thuy is requesting a loan to repair her house and to pay her child's school fees. She hopes that through her loan she will be able to improve her family's living conditions and provide a better education for her child.

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 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
  • 125
    View loans »
    Vietnam Loans Fundraising
  • $15,354,600
    Funds lent in using Kiva
  • 21,208.9
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Thuy's Group's $3,500 loan helped a member to repair her house and pay for the education of her child.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 6, 2014
Aug 12, 2014
Currency Exchange Loss:
Jun 17, 2015