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Heang's Group
In this Group: Heang, Thorn
Heang is 60 years old and a resident from a rural area of the Moung Russey district of Battambang province, Cambodia. She is a widowed mother. To make a living, she has been selling various kinds of food for twenty years. She is able to earn about 20,000 KHR per day and manages to save around 10,000 KHR each day after offsetting daily expenses. Lack of working capital for supporting the current business is the main challenge.

Heang has been with Kiva’s partner, VisionFund, for five loan cycles while the other member has been with VisionFund for three loan cycles. The past loans, which she has fully paid back, have helped her to improve her living conditions gradually. Now she and her group member are requesting a loan of 1,400,000 KHR each. As the leader, she is going to use her portion to buy spices for her food-selling business. She hopes this loan will enable her to increase her income from the current business in order to better her lifestyle.

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
  • 93
    View loans »
    Cambodia Loans Fundraising
  • $41,820,025
    Funds lent in using Kiva
  • 4,057.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Heang's Group's $700 loan helped a member to buy spices for her food-selling business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2012
Oct 11, 2012
Currency Exchange Loss:
Sep 17, 2013