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Sem's Group
In this Group: Sem, Ann, Nea, Keo, Lorn
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.

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
  • 70
    View loans »
    Cambodia Loans Fundraising
  • $41,821,275
    Funds lent in using Kiva
  • 4,055.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sem's Group's $1,150 loan helped a member to buy fertilizer for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 22, 2012
Oct 1, 2012
Currency Exchange Loss:
Sep 17, 2013