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Chamrat's Group
In this Group: Chamrat, Leng, Saovry
Originally from a village of the Thmor Koul district, Chamrat is a 39-year-old mother of four dependent children, two daughters and two sons, who all are still in school. She started farming on her two-hectare rice farm twelve years ago and she supplements her income by selling Chinese noodle and rice soup in the village.

Chamrat received a loan from VisionFund five years ago. The previous loan helped her make a living better. She earns more than US$25 per day but saves less than four U.S. dollars daily. She successfully paid back her loan with VisionFund.

Now she and two other members in the group, namely Leng and Saovry, are applying for a loan. She will use her entire share of the loan to hire workers to harvest her rice crop and also to buy ingredients and other stuff for her business. She hopes to run her business well and earn more income to set aside some money to buy necessary comforts and also keep her children in school.

Additional Information

About VisionFund Cambodia

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 works primarily in rural parts of Cambodia and has distinguished itself by targeting the very poor who require smaller loan sizes, regardless of religious beliefs, gender or ethnic background.

Kiva lenders’ funds will help the organization to expand into the northeastern provinces of the country, which have historically been underserved and difficult to reach with financial services.

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 Cambodia

  • $2,600
    Average annual income
  • 52
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,023.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Chamrat's Group's $775 loan helped a member to hire workers to harvest her rice crop and expand her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 16, 2011
Jan 3, 2012
Currency Exchange Loss:
Oct 15, 2012