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Phany's Group
In this Group: Phany, Khemrat
Phany, 47, is a mother who has been blessed with four children. All of them are currently studying at the local, state school. The primary source of Phany's income is dry season rice planting, on two hectares of farmland. Having been engaged in this business for 15 years, she is able to earn up to 43,300 KHR per day. She can manage to support a daily three meals for her family.

This is Phany's seventh loan with VisionFund (Kiva’s partner). She fully repaid the past loans. For this loan cycle in a group of two, she is a leader requesting a loan of 1,400,000 KHR, while her co-borrower is applying for 100,000 KHR. Phany will use her loan portion to buy fertilizer and insecticide for her farm. She hopes to realize more income and make a good living.

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
  • 140
    View loans »
    Cambodia Loans Fundraising
  • $41,469,375
    Funds lent in using Kiva
  • 3,983.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Phany's Group's $400 loan helped a member to buy fertilizer and insecticide for her rice farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2013
Mar 19, 2013
Currency Exchange Loss:
Feb 19, 2014