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Phally's Group
In this Group: Phally, Cheoung, Vy, Neoun, Srey Mom
Phally is 25 years old, and lives in a rural area of the Bovel district in Cambodia’s Battambang province. She is blessed with four children, all of whom are under her responsibility. One of Phally‘s children is too young for schooling while the rest are school-aged children. To make the living, Phally farms rice on a two-hectare plot of farm. Having been involved in the rice-growing business for ten years, Phally is able to earn approximately 16,000KHR daily. Phally, a first-time borrower with VisionFund (Kiva’s partner), is leading a loan group of five members to take out a loan in the amount of 200,000KHR each. In hope to avoid using unsanitary practices, Phally will utilize her loan portion to build a proper latrine for use by the family. With the help of the requested loan portion, Phally will be able to create a healthy environment as well as promote sanitation and hygiene practices in her community.

Additional Information

More information about this loan

This loan is part of VisionFund Cambodia’s initiative to expand access to clean water and/or sanitation to poor rural households.

Water filter loans provide poor households with clean, safe drinking water without requiring it to be boiled over wood fires. This protects borrowers’ health and Cambodia’s precious forests. Today, many rural Cambodians depend on rainwater, boreholes and surface water -- none of which are regarded as safe sources of fresh water. Walter filters provide a safer, easier and more economic alternative. VisionFund Cambodia is partnering with Hydrologic Social Enterprise to get water filters to families who need them most.

Latrine loans help households build standard, housed latrines for improved sanitation. In rural Cambodia, sanitation poses a major challenge for those who cannot afford to construct a household latrine. Every year, thousands of children die and many others fail to thrive due to dehydration, poor immunity and malnutrition caused by diarrhea and poor sanitation. VisionFund Cambodia is offering credit to change this picture.

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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,000.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Phally's Group's $250 loan helped a member to build a proper latrine.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Dec 7, 2012
Dec 28, 2012
Currency Exchange Loss:
Oct 17, 2013