A loan of $1,150 helped a member to buy fertilizer for her farmland.


Sem's Group's story

Sem is aged 55 years and married. She has two children. Her family lives in a rural village of the Bakan district of Pursat province, Cambodia. To make a living, she has farmed rice for thirty-three years and supplemented the family’s income by producing Vietnamese crepes for sale. She can earn about 14,000 KHR per day and manages to save about 4,000 KHR each day after daily expenses. Low crop yield resulting from drought is the main challenge for her business. Sem’s group consists of five members who live in the same village. She is on her first cycle with Kiva’s partner, VisionFund. Now she is leading her group to seek out a loan. Sem, who is the leader, will use her portion to buy fertilizer for her farmland and to buy ingredients, including rice flour, sugar, and bean sprout for making Vietnamese crepes. She hopes this loan will help her earn more income so as to improve her family's living condition.

In this group: Sem, Ann, Nea, Keo, Lorn
*not pictured



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