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Rat's Group
In this Group: Rat, Khatna, Soeng
Rat, 28, lives with her husband and four children in a rural village of the Moung Russey district of Battambang province, Cambodia. All of her children are dependent on her and still in school. She has struggled to feed and care for her children by farming rice on four-hectares of farmland. She has been in this business for ten years, while her husband is a fisherman. Together, they can earn about 20,000 KHR per day and manage to save about 12,000 KHR each day for the future.

Rat has been with Kiva’s partner, VisionFund, for one cycle. She fully repaid the past loan, which helped her to better support her family with enough food. Now she is leading her group to ask for a loan. As the leader, she is going to use her portion to buy rice seeds for her farmland, and will use a portion of it to spend on plowing the field. She hopes to grow a healthy crop of rice and earn more to make a better living and keep her children in school.

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
  • 68
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 3,987.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Rat's Group's $825 loan helped a member to buy rice seeds for her farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 24, 2013
Currency Exchange Loss:
May 17, 2014