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Heak's Group
In this Group: Heak, Khoern, Nang, Vanna
Heak, 47, is married and living with his son in a rural village of the Thmor Koul district of Battambang province, Cambodia. He and his wife earn a living through farming and working for other people for a fee. They have been in this business for eight years, earning about KHR 20,000 per day and are able to save about KHR 8,000 each day after expenses for the future needs.

Heak’s group consists of four members who have been with VisionFund for four cycles. The past loans, which Heak fully paid back, have supported his family and given them sufficient food. Now he is leading his group to ask for a loan. Heak wants to use his portion to buy seeds and fertilizer for his farmland and use a portion of it to spend on labor costs. He hopes his crop yield will become more productive so he can sell it for a good price to improve his family living’s 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
  • 207
    View loans »
    Cambodia Loans Fundraising
  • $39,967,725
    Funds lent in using Kiva
  • 3,998.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Heak's Group's $675 loan helped a member to buy seeds and fertilizer for his farmland.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013