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Semny's Group
In this Group: Semny, Samnang, My
Semny, is a villager living in a rural area of Moung Russey in Battambang province, Cambodia. She is 24 years old, married and blessed with two children, both of whom are too young for school.

Semny and her husband earn their living by growing and selling rice. For the past several years they have also raised pigs. Each day Semny earns about 13,000 KHR. Her main challenge farming her paddy is drought.

Semny’s group consists of three members, all of whom are first-time borrowers with Kiva’s partner VisionFund. As leader of her group, she is applying for a 3,000,000 KHR loan to be split three ways. She will use her portion to buy fertilizer and pesticides for her farmland and feed for her pigs.

With this loan Semny hopes to increase her crop’s yield. Greater productivity, and so increased profits will help her make life better for her family.

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
  • 204
    View loans »
    Cambodia Loans Fundraising
  • $39,967,725
    Funds lent in using Kiva
  • 4,059.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Semny's Group's $750 loan helped a member to buy fertilizer and pesticides for her farmland and feed for her pigs.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Sep 3, 2012
Oct 6, 2012
Currency Exchange Loss:
Jun 17, 2013