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 $14,247,175 $1,138,346,700
Amount of raised Inactive loans $0 $489,125
Number of raised Inactive loans 0 199
Amount of Paying Back Loans $2,498,150 $159,058,075
Number of Paying Back Loans 2,468 201,381
Amount of Ended Loans $11,749,025 $978,799,500
Number of Ended Loans 16,007 1,246,092
Delinquency Rate 3.58% 8.23%
Amount in Arrears $66,053 $8,561,352
Outstanding Portfolio $1,535,376 $104,011,721
Number of Loans Delinquent 186 32,118
Default Rate 0.35% 1.60%
Amount of Ended Loans Defaulted $41,133 $15,672,951
Number of Ended Loans Defaulted 118 41,110
Currency Exchange Loss Rate 0.00% 0.41%
Amount of Currency Exchange Loss $0 $4,709,781
Refund Rate 1.17% 0.60%
Amount of Refunded Loans $166,850 $6,847,000
Number of Refunded Loans 157 6,632

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 91.93% 75.99%
Average Loan Size $352 $395
Average Individual Loan Size $779 $619
Average Group Loan Size $771 $1,747
Average number of borrowers per group 2.7 7.7
Average GDP per capita (PPP) in local country $2,600 $5,818
Average Loan Size / GDP per capita (PPP) 13.53% 6.80%
Average Time to Fund a Loan 7.84 days 6.94 days
Average Dollars Raised Per Day Per Loan $44.85 $56.99
  Average Loan Term 16.17 months 11.24 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 11,096 620,102
  Journaling Rate 69.90% 41.26%
  Average Number of Comments Per Journal 0.00 0.04
  Average Number of Recommendations Per Journal 0.00 0.99

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 28% PY 30.00% PY 25.86% PY
  Profitability (return on assets) 2.2% 4.6% -0.68%
  Average Loan Size (% of per capita income) 34.00% 184.00% 14.03%

Country Fast Facts

Field Partner Staff

Auditor Auditor
Jaylan ElShazly
Samphors Eng
Mouyhour Hak
Chanthida Hav
Sreypouv Ngoun
David Weber