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04.12.6 Nam Ngạn Group
In this Group: Hạnh, Hoa, Hạnh, Diệp, Huệ, Đức
Mrs. Hạnh operates a food stall/restaurant selling vegetables. She is requesting a loan to purchase vegetables to resell.

Hạnh is 45 years old, and she is married with three children. She is the leader of a six-member group, the 12.6 Nam Ngạn solidarity group. Hạnh lives with one dependent in Thanh Hoa city, an urban town in Thanh Hoa province. Two other children are grown up.

In 2011, Hạnh joined Thanh Hoa Fund for Poor Women to improve her business. Hạnh has successfully repaid two loans from Thanh Hoa Fund for Poor Women. Hạnh has been involved in this business for five years. The main hardship that Hạnh faces in her business is the lack of capital.

With her business profit, Hạnh hopes to make enough money to provide for her kids, for her family to be healthy and happy, and for her business to do well.

Additional Information

About Thanh Hoa Microfinance Institution Limited Liability (Thanh Hoa MFI)

Thanh Hoa MFI works to provide credit to women and their families in the central Vietnamese province of Thanh Hoa, one of the poorest regions of the country. The institution's target clients are poor and low-income women who have the ability to work but lack the capital. Accordingly, Thanh Hoa MFI prioritizes single mothers, low-income women with children who have dropped out of primary school, and Viet Nam’s poorest women who cannot access any formal 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 Vietnam

  • $5,600
    Average annual income
  • 84
    View loans »
    Vietnam Loans Fundraising
  • $17,316,975
    Funds lent in using Kiva
  • 20,920.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of 04.12.6 Nam Ngạn Group's $1,525 loan helped a member to purchase vegetables to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 8, 2012
Jun 21, 2012
Currency Exchange Loss:
Jul 17, 2013