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Ravy's Group
In this Group: Ravy, Nimol
Ravy, 48 years old, is married and has three children. Her family lives in a rural area in the Thmor Koul district of the Battambang province in Cambodia. Out of her three children, Ravy still has one dependent child who is still in school.

To earn a living, Ravi has been working as a teacher for twenty years while her husband is a rice farmer. She is able to earn about 53,000 KHR per day. After off-setting daily expenses, Ravi manages to save about 20,000 KHR each day. However, a lack of working capital to support her rice field, is still the main challenge Ravi faces.

Ravy’s Group consists of two members who have been with VisionFund for five loan cycles. Ravi fully paid back her previous loans, which helped her constantly support her family with the provision of food and basic necessities. Now she is leading her group to seek yet another loan. Ravy expects to use the proceeds from her portion of the loan to buy fertilizer and pesticides for her farmland, as well as pay for labor costs to work the land. She hopes this loan will enable her to increase the income from the rice field, better her living conditions and support her child who is still in school.

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
  • 61
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • 4,036.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ravy's Group's $700 loan helped a member to buy fertilizer and pesticides for her farmland.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 4, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013