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Norn's Group
In this Group: Norn, Vet, Mom, Heng
Norn, a mother of eight children, is 52 years old and a resident from Kampong Cham province, Cambodia. She is a rice farmer on one and a half hectares of land and her husband is a construction worker. Involved in this business for 35 years, Norn is able to earn up to 26,500 KHR per day. For her, the lack of working capital is the key challenge.

To tackle this challenges, Norn is leading a group of four members to apply for a new loan. Two members are the third-time borrowers and the other two are first-time borrowers with VisionFund (Kiva’s partner). Norn has succeeded in using her past loans to support her family and finally she managed to buy some household materials. Now, her group is borrowing 4,200,000 KHR. As the group leader, Norn will use her loan portion to buy fertilizer and insecticide and to pay a transplanting fee for her farm. She hopes to gain a better crop yield and earn more income from her current business.

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
  • 108
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 3,983.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Norn's Group's $1,075 loan helped a member to buy fertilizer and insecticide and to pay a transplanting fee for her farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 22, 2013
Mar 1, 2013
Currency Exchange Loss:
Feb 19, 2014