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Em's Group
In this Group: Em, Sok Heng
Em, 37, is a married mother of three dependent children: one daughter and two sons, who are still in school. She is a farmer who has been farming her own land for 10 years. To better support her family, she and her husband buy and sell sugar and clams.

Em has been with VisionFund for two years while her group member just joined VisionFund this loan cycle. Since business has been good, Em has successfully repaid her loan and now earns more than US $10 per day. She is now leading her 2-member group in applying for a loan with VisionFund. As the leader, Em will use her entire portion of the loan to buy palm sugar for sale. This loan will enable her to keep her business running. Em hopes to increase the family's income to make a better living.

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
  • 96
    View loans »
    Cambodia Loans Fundraising
  • $41,820,025
    Funds lent in using Kiva
  • 4,060.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Em's Group's $275 loan helped a member to buy sugar for sale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Jan 6, 2012
Mar 1, 2012
Currency Exchange Loss:
Jan 15, 2013