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Lem's Group
In this Group: Lem, Chheng
Lem, a local farmer from Moung Russey district of Battambang Province, is 54 years old and has nine children. Three children who are still in school are dependent on her. Lem has one and a half hectares of farmland for growing paddy rice and one hectare for growing beans. To supplement the family’s income, her husband also works for others for a fee, besides helping on her farm. She has engaged in this business for ten years and is able to earn up to 26,000 KHR per day. This is not Lem's first loan, as she has been with VisionFund, Kiva’s partner for two earlier loan cycles. After successfully paying back her last loan, she feels empowered to sustain a good standard of living for her family. Now she is the leader of a group of two. Both of them are in the same cycle and requesting the same loan amount of 1,200,000 KHR each. Lem’s portion is going to spend part of her portion on harvesting fees and another part to buy fertilizer, seed, and insecticide. She expects to receive a good yield so that she can earn more income to maintain her good living 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
  • 66
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,000.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Lem's Group's $600 loan helped a member to pay for harvesting fees and buy fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 25, 2012
Feb 1, 2013
Currency Exchange Loss:
Oct 17, 2013