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Sert's Group
In this Group: Sert, Sameng
Sert, 37, is married with three children, and resides in a rural village of the Thmor Koul district of Battambang province. All of her children are dependents and still in school. To support the family, Sert has been farming rice on seven hectares of farmland for ten years. Her husband plants beans on three hectares of farmland to gain more income and better support the family. Low crop yields resulting from flooding is the main challenge for her farming business.

Sert has been with VisonFund for six cycles, while the other member of her group has been with VisionFund for two cycles. Sert completely paid back her previous loans from VisionFund and successfully used the money to better support her family. She and her fellow group member are applying for loans of KHR 1,400,000 and KHR 200,000 respectively. As the leader, Sert will use most of her portion to buy fertilizers and rice seeds for her farmland, and devote a portion of it to purchasing gasoline. She hopes to make more rice to increase her family’s income and make a better living.

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
  • 171
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,036.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sert's Group's $400 loan helped a member to buy fertilizers and rice seeds for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 19, 2013