Mrs. Nguyen Thi Son, 29 years old, is a quick and resourceful woman. She lives with her husband and two young children. Her family has many entrepreneurial businesses such has running an eatery, selling dried goods, prepared and cooked food, refreshment and fruit stands. Additionally, her family also raises eight pigs. Because of that, her family's income is stable, averaging from 150,000 VND to 160,000 VND. Her loan group has repaid its loan successfully for the past two loan cycles. For the third loan cycle, Mrs. Nguyen would like to borrow 4,704,000 VND to buy additional goods to sell during the incoming New Year celebrations.
Her group includes the following members:
Mrs. Nguyen Thi Dung, 27 years old, would like to borrow 2,912,000 VND to raise chickens.
Mrs. Nguyen Thi Chat, 61 years old, would like to borrow 4,704,000 VND for her welding/repairing business.
Mr. Nguyen Huu Thang, 34 years old, would like to borrow 2, 464,000 VND to buy stud pigs.
Mrs. Pham Thi Bich Thuy, 32 years old, would like to borrow 3,808,000 VND to expand her carpentry business.
Chị Nguyễn Thị S. năm nay 29 tuổi Ms 020211030007 là một phụ nữ trẻ rất nhanh nhẹn, tháo vát. Hiện nay chị đang sống cùng chồng và 2 con nhỏ, gia đình chị có rất nhiều hoạt động kinh doanh như: Bán quán, bán hàng khô, hang ăn chin, nước giải khát và hoa quả. Ngoài việc bán hang vợ chồng chị còn chăn nuôi 8 con lợn, vì vậy thu nhập của gia đình chị khá ổn định, trung bình khoảng từ 150.000VNđ đến 160.000VNđ/ ngày. Cả nhóm chị đã tham gia vay và hoàn trả rất tốt qua 2 chu kỳ. Chu kỳ 3 này chị vay mức 4.704.000VNđ để mua thêm hang về bán trong dịp tết.
Trong nhóm chị có các thành viên sau:
Chị Nguyễn Thị D. năm nay 27 tuổi Ms 020211030014 vay mức 2.912.000VNđ để chăn nuôi gà.
Chị Nguyễn Thị C. năm nay 61 tuổi Ms 020211030009 vay mức 4.704.000VNđ để làm nghề gò hàn.
Anh Nguyễn H. T. năm nay 34 tuổi Ms 020211030011 vay mức 2.464.000VNđ để mua lợn giống.
Chị Phạm Thị B. Thuỷ năm nay 32 tuổi Ms 020211030016 vay mức 3.808.000VNđ để phát triển nghề mộc.
The Center of Small Enterprise Development Assistance (SEDA) is a non-profit organization whose vision is to create “a society without poverty.” Founded in 2004, SEDA provides microfinance services to low-income and disadvantaged people in rural areas of Hanoi and the northern provinces of Vietnam through its Binh Minh Micro-Finance Program.
You can also join SEDA’s lending team to assist SEDA in continuing to support its portfolio of borrowers.
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.