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Hang was born in 1992. She lives in Bac Ninh, the smallest province in Vietnam. She is majoring in human resources management at the University of Labour and Social Affairs ( Her course lasts four years and she will graduate in 2014. Hang is the first person in her family to have graduated from high school and to have a higher education.

Her parents sell personal and household goods to earn a living. Her family’s income is about 10,000,000 VND. Her mother, Huong, sits next beside her in this picture, is also a member of SEDA’s credit program. Hang's family is her motivation and her support in choosing her major. She wants to earn a lot of money so she can support her family, improve her family’s living standards and also pay for her brother’s education fees.

Hang plans to work in the capital of Hanoi or the province of Bac Ninh within the next five to 10 years. She understands that studying helps her to have the opportunity to get a high-paid job and to fulfill her dream of becoming a human resources manager. Hang wants to borrow 10,206,000 VND to pay for her university fees, books and studying tools. This loan suits her family’s situation and income.

The paperwork from SEDA has been fast and convenient to meet her needs. Besides lacking money for her education costs, Hang has other difficulties such as her living costs and transportation costs. Through this program, she wants to tell people that Vietnam is a developing country: they have an amazing youth generation but they are still poor and need your help to give them opportunities to develop their future. Hang appreciates these kinds of programs from SEDA and Kiva.

Additional Information

More information about this loan

This loan is part of SEDA's education program, designed to finance school tuition for students whose families have low incomes or work in informal sectors of the economy. Funds can be used for partial or complete payment of expenses related to higher education. By supporting this loan, you're enabling access to education for students with limited options. 

About SEDA:

The Center of Small Enterprise Development Assistance (SEDA) is a non-profit organization whose vision is to create “a society without poverty.” Founded in 2004, SEDA provides microfinance services to low-income and disadvantaged people in rural areas of Hanoi and the northern provinces of Vietnam through its Binh Minh Micro-Finance Program.

You can also join SEDA’s lending team to assist SEDA in continuing to support its portfolio of borrowers.

About Vietnam

  • $5,600
    Average annual income
  • 77
    View loans »
    Vietnam Loans Fundraising
  • $17,316,975
    Funds lent in using Kiva
  • 20,850.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Hang to pay for her university fees, books and studying tools.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 21, 2012
Oct 11, 2012
Currency Exchange Loss:
Mar 17, 2014