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Oern's Group
In this Group: Oern, Cheng
Oern is 55 years old and lives in a rural village in the Tbaung Khmum district of Kampong Cham province.

Her family’s income comes from farming rice on 1 hectare of farmland. She has been making a living from this business for twenty-five years. From the current business, she can earn about KHR17,000 per day and, after expenses, she manages to save about KHR10,000 per day for future needs.

Oern has been a member of VisionFund for one cycle, and she has completely repaid the loan. She successfully used her previous loan from VisionFund to better support her living conditions with enough food. Now leading her group of two to apply for another loan, Oern is going to use her portion to buy fertilizer for her farmland. With this loan, she hopes to get a high yield from her rice paddy so as to improve her living conditions.

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
  • 66
    View loans »
    Cambodia Loans Fundraising
  • $41,793,100
    Funds lent in using Kiva
  • 4,013.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Oern's Group's $375 loan helped a member to buy fertilizer for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Nov 3, 2012
Currency Exchange Loss:
Sep 17, 2013