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Yam is 36 years old and married with two children, both of whom are students. She lives in a rural area of Tbaung Khmum district, in Kampong Cham province in Cambodia.

Yam and her husband work as rice farmers and paid workers in order to offer a decent life for their family. Together, they are able to earn around 20,000 Cambodian riel (KHR) per day.

Yam is a first-time borrower with VisionFund, Kiva's partner. She is applying for a loan of 3,000,000 KHR to purchase fertilizer and two buffalo in order to help run her rice-growing business more smoothly. Via the help of this loan, she expects to see an improvement in the rice-growing business as well as in her family's living conditions. Yam also hopes that she will be able to advance her children's education as far as possible.

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.

About Cambodia

  • $2,600
    Average annual income
  • 87
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,005.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Yam to purchase fertilizer and two buffalo.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2012
Jan 1, 2013
Currency Exchange Loss:
Nov 19, 2013