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Chhoeum's Group
In this Group: Chhoeum, Phalla
A 41-year-old local farmer originally from the Bovel district of Battambang Province, Chhoeum is married and a mother of five children. Only four children are dependent on her as one of them is a student, and the remaining three are helping the family's business. She has been involved in this business for 5 years and is able to earn about 22,000 KHR per day. However, her entire household does not have a proper latrine for usage.

Therefore, she is forming a group of two to apply for a new loan. Choeum's group consists of two female members as sixth-cycle loan borrowers, and she is the leader. With success, she has paid back loans and that has helped her to sustain her business and cover her daily costs of living.

Now, she and her co-member are seeking the same loan amount of 200,000 KHR each. Chhoeum is going to use her portion to buy the above-the-ground materials for latrine construction, such as zinc, cement, bricks, a latrine slab, etc. She hopes that all of her children will have good health.

Additional Information

More information about this loan

This loan is part of VisionFund Cambodia’s initiative to expand access to clean water and/or sanitation to poor rural households.

Water filter loans provide poor households with clean, safe drinking water without requiring it to be boiled over wood fires. This protects borrowers’ health and Cambodia’s precious forests. Today, many rural Cambodians depend on rainwater, boreholes and surface water -- none of which are regarded as safe sources of fresh water. Walter filters provide a safer, easier and more economic alternative. VisionFund Cambodia is partnering with Hydrologic Social Enterprise to get water filters to families who need them most.

Latrine loans help households build standard, housed latrines for improved sanitation. In rural Cambodia, sanitation poses a major challenge for those who cannot afford to construct a household latrine. Every year, thousands of children die and many others fail to thrive due to dehydration, poor immunity and malnutrition caused by diarrhea and poor sanitation. VisionFund Cambodia is offering credit to change this picture.

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
  • 210
    View loans »
    Cambodia Loans Fundraising
  • $40,009,875
    Funds lent in using Kiva
  • 4,040.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Chhoeum's Group's $100 loan helped a member to buy the above-the-ground materials for constructing a proper latrine.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2012
Oct 30, 2012
Currency Exchange Loss:
Jul 17, 2013