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Ros' Group
In this Group: Ros , Phorn, Tam
Ros is a 32-year-old widowed woman who has been farming rice as the main source of family’s income on two-hectare area of farmland for five years. She is living in a wooden house in a rural area of the Moung Russey district of Battambang province, Cambodia, To add up to more income, she also sells rice soup in local area. Her daily income is approximately 18,000 KHR per day, and she manages to save about 10,000 KHR each day after offsetting daily expenses. The main challenge for her paddy field is drought.

Ros’ group composes of three members who live in the same village. She has been a member of VisionFund for four cycles and had completely repaid back her past loans. She wisely used the previous loans to constantly support her family livelihoods. Now she and one of her group member are requesting a loan of 1,400,000 KHR each, while the other one is requesting a loan of 1,000,000 KHR. As the leader, Ros will use her portion to buy fertilizer for her farmland and use a portion of it to purchase piglets for raising in order to earn additional income. Through this loan, she hopes to get a high yield from her rice paddy so as to better off her living 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
  • 230
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • 4,032.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ros' Group's $950 loan helped a member buy fertilizer for her rice farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 6, 2012
Oct 12, 2012
Currency Exchange Loss:
Oct 17, 2013