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Ngem's Group
In this Group: Ngem, Tor
Ngem, aged 57, is living in a rural village of the Thmor Koul district and has five children, two of whom are dependents and still in school. He and his wife are farmers in the area to make a living. He has been in this business for fifteen years.

Ngem has been with VisionFund for one cycle and completely paid back the past loan, while the other member has been with VisionFund for six cycles. He has successfully used the previous loan to better support his family's living conditions.

Now he is leading his group to apply for another loan. As the leader, he is going to use his portion to spend on labor costs for harvesting rice. Ngem hopes to earn more income from his rice paddy so as to improve his standard of living and keep his children 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
  • 73
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 3,990.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ngem's Group's $900 loan helped a member to spend on labor costs for harvesting rice.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Jan 1, 2013
Currency Exchange Loss:
Dec 17, 2013