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Norn's Group
In this Group: Norn, Hen, Sarang
Norn is 60 years old and married with ten children, four of whom are dependent on her and still in school. She grows rice and plants sugarcane to make a living. To add more income, she and her husband have been working as paid workers in the local area. With the current business, Norn can earn about KHR 30,000 per day to meet her family’s needs and is able to save about KHR 10,000 each day for the future needs.

This is Norn’s Group loan with VisionFund Cambodia. She has been with VisionFund Cambodia for six cycles, while the other members have been with VisionFund Cambodia from three to seven cycles. The past loans, which Norn completely repaid, have helped her to better support her family and to have sufficient working capital for her business.

With a good business, she is leading her group to apply for another loan. As the leader, she wants to use her portion to buy fertilizer for her sugarcane and to use a portion of the loan to purchase more sugarcane trees for planting. She hopes to grow her rice as well as sugarcane in a timely manner, so as to sell them for a high price, to earn a larger income. She also hopes to extend 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
  • 73
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 3,990.4
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Norn's Group's $975 loan helped a member to buy fertilizer for her sugarcane and more sugarcane trees for planting.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Mar 20, 2013
Currency Exchange Loss:
Dec 17, 2013