Help us reach $600,000 by December 31!
$22,594

Dear Kiva Lender,

Kiva facilitates loans to more than 4,000 borrowers every week, but since Kiva doesn't take a fee on your loans we rely on donations from lenders like you to keep doing this important work. If every Kiva lender seeing this banner pitched in $20 for our Donation Drive, we'd hit our goal of $600,000 by Dec 31! Your support helps us make a global impact.

In appreciation, Chelsa Bocci, Sr. Director, Community

Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:

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 targets the poorest families regardless of religious beliefs, gender or ethnic background.

Starting out as a small credit program run by World Vision Cambodia in the 1990s, its microfinance operations evolved into a separate institution affiliated with VisionFund International in 2003. To date, VisionFund Cambodia has served over 140,000 clients with a total loan portfolio over US$37M.

A unique lending approach

The microfinance institution has created several socially-driven loan products, including education loans, loans to families whose children are at risk of becoming child laborers (in partnership with the International Labor Organization), and loans for rice mill cooperatives, among others.

Some of these loans have special, more flexible terms to better meet clients’ needs while promoting education, health awareness and local rice production. In addition, the organization has been providing clients with financial education training, life insurance on loans with contributions for client funerals, and awards for reliable clients such as scholarships for their children to complete high school.


VisionFund Cambodia's client who took a loan to sell a rice in the local market. 



Partnerships and awards

VisionFund Cambodia started working with PATH (Program for Appropriate Technology in Health) and Hydrologic Social Enterprise in 2010. These partnerships help it promote clean water and sanitation in rural communities, and provide financing to poor families across several provinces to purchase water filters. A similar partnership with International Solar Solutions enables poor clients in the remote, off-the-grid province of Preah Vihear to purchase solar energy products.

Since its inception, VisionFund Cambodia has received a number of honors from global organizations, including the Consultative Group to Assist the Poor (CGAP) and the United National Development Program. These awards acknowledge its financial, operational, institutional and social transparency. In 2010, VisionFund Cambodia was recognized with a Gold Award by the Microfinance Information Exchange (MIX) for its integrity and transparency in reporting, measuring and collecting data related to social performance.


Image courtesy of VisionFund Cambodia.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 23, 2011 Oct 12, 2005
Total Loans $6,660,075 $623,429,475
Amount of raised Inactive loans $0 $397,000
Number of raised Inactive loans 0 344
Amount of Paying Back Loans $2,871,450 $120,374,175
Number of Paying Back Loans 3,845 131,480
Amount of Ended Loans $3,788,625 $502,658,300
Number of Ended Loans 6,009 633,553
Delinquency Rate 0.19% 4.89%
Amount in Arrears $4,418 $3,785,980
Outstanding Portfolio $2,282,998 $77,436,530
Number of loanDelinquent 40 17,993
Default Rate 0.00% 1.12%
Amount of Ended Loans Defaulted $165 $5,608,844
Amount of Ended Loans $3,788,625 $502,658,300
Number of Ended Loans Defaulted 1 17,329
Currency Exchange Loss Rate 0.00% 0.11%
Amount of Currency Exchange Loss $0 $679,886
Refund Rate 0.02% 0.74%
Amount of Refunded Loans $1,050 $4,587,900
Number of Refunded Loans 3 5,125

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 90.53% 74.18%
Average Loan Size $301 $418
Average Individual Loan Size $749 $654
Average Group Loan Size $648 $1,836
Average number of borrowers per group 2.7 8
Average GDP per capita (PPP) in local country $2,600 $3,409
Average Loan Size / GDP per capita (PPP) 11.59% 12.27%
Average Time to Fund a Loan 5.05 days 5.79 days
Average Dollars Raised Per Day Per Loan $59.61 $72.32
  Average Loan Term 14.63 months 10.51 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 3,547 312,728
  Journaling Rate 60.64% 42.15%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.77

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 28% PY 30.00% PY 33.35% PY
  Profitability (return on assets) 4.1% 4.6% -1.49%
  Average Loan Size (% of per capita income) 34.00% 184.00% 38.01%

Country Fast Facts

Field Partner Staff

Sophat Yuthida
Runprim Antheavy
Auditor Auditor
Bunret Eat
Chanthida Hav
Ngoune Leng Peung
Davuth Seat
Vuochlang Sok