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Em's Group
In this Group: Em, Voern, Sovann
Living in a rural area in the Dambae district of Cambodia, Em is 57 years old and married. She has no kid. To make a living, she has farmed rice on 2.5 hectares of land, while her husband plants sesame on 5 hectares. They have been in the business ten years. She can earn about 22,000KHR per day and manages to save about 12,000KHR each day after expenses.

Em has been with VisionFund for three loan cycles and has completely repaid the loans. Em successfully used the loans to support her family and her business.

She is leading her group of three to apply for this loan. As the leader, she is going to utilize her portion to buy fertilizer and pesticide, and pay for labor costs.. Em hopes this loan will enable her to improve her business and make more income to improve her 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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,023.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Em's Group's $850 loan helped a member to buy fertilizer and pesticide, and pay for labor costs.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013