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Em's Group
In this Group: Em, Choun
Em, an elderly father of nine children, is 58 years old and a local farmer who grows rice as the primary source of income. He can make additional through leasing a speaker as a paid-service. This 34-year-old business brings him about 19,500 KHR per day. Em, a fifth time borrower, forms a group of two to apply for a new loan with VisionFund (Kiva’s partner). He has fully repaid back his past loan which has better supported his business and helped it to make good progress. Now, he is seeking for a new loan in order to buy a decent motorbike to support his living as well as his business. He hopes this motorbike will relieve his burden related to transportation expenses so he can set aside some money for his future needs and for the sake of his 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
  • 85
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 3,995.4
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Em's Group's $500 loan helped a member to buy a decent motorbike to support his living as well as his business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Apr 3, 2013
Currency Exchange Loss:
Jan 18, 2014