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Sinat's Group
In this Group: Sinat, Kheng, Mom, Ter
Sinat, 36, is a married mother of two children from a district located in Kampong Cham province. For the past ten years she has sold groceries and grown cassava on her two hectares of farmland. She earns about 32,000 KHR a day and saves approximately 10,000 KHR daily after deducting expenses. The main challenge for her is the low price of cassava in the marketplace.

Sinat is the leader of a group of four. This will be her third loan with Kiva’s partner VisionFund. The past loans have helped her improve her cassava farm.

She is now leading a group of four who are applying for a loan through VisionFund. They all live in the same village in the Dambae district of Kampong Cham province. She will use her portion of the loan to buy more groceries to sell and fertilizer for her crops.

Sinat expects this loan will enable her to increase her income. Her ambition is to better her shop and fields and 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
  • 76
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 4,055.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sinat's Group's $1,200 loan helped a member to buy more groceries to sell and fertilizer for her crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 13, 2012
Sep 15, 2012
Currency Exchange Loss:
Sep 17, 2013