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Thou's Group
In this Group: Thou, Choun, Mom
Thou is a resident living in Kampong Cham province’s Tbaung Khmum district in Cambodia. She is a 28-year-old married woman with one dependent son who is a student.

Thou supports her family by working as a rice farmer and paid worker, earning around 17,000 KHR per day and saving approximately 7,000 KHR after deducting her daily cost of living.

Thou, a second-time borrower, is leading a group of three members to take out a loan with VisionFund (Kiva’s partner) in the amount of 3,000,000 KHR in total. The group representative, Thou comments that the previous loan she obtained and successfully paid back has enabled her to improve her family’s living conditions.

Thou will spend her requested loan portion in this loan, which is 1,000,000 KHR, on buying fertilizer to apply to her farmland and buying study materials such as books, pen, pencil, bag, ruler, etc., for her son.

After receiving her requested loan portion and wisely using it, Thou hopes that the rice-growing business will provide good quality crop yields and her family’s living standard will improve even more.

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
  • 65
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 3,998.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Thou's Group's $775 loan helped a member to buy fertilizer.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013