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Horm's Group
In this Group: Horm, Heak, Hak
Horm is 42 years old and married. She is a mother of four children, some of whom are still in school. To make a living, she and her husband have been farming, raising cows and supplementing their family’s income by fishing. Her family’s daily income is about 50,000 KHR per day to meet the family’s needs.

Horm’s group consists of three female members who live in the same village in the Ek Phnom district of Battambang province. She is a six-cycle client with Kiva’s partner, VisionFund. Now leading her group to apply for a loan, Horm, who is the leader, will use her portion to buy fishing material for her fishing business. She hopes to catch more fish to sell for a good price to improve her 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
  • 143
    View loans »
    Cambodia Loans Fundraising
  • $41,481,900
    Funds lent in using Kiva
  • 3,984.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Horm's Group's $900 loan helped a member to buy fishing materials for her fishing business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 20, 2013
Mar 23, 2013
Currency Exchange Loss:
Mar 17, 2014