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Hien is 31 years old. She has two children. The oldest one is learning at a primary school. The younger one is still little. Her family has a carpentry workshop. Her family's main income is from it. Hien is in charge of selling products for the workshop. Her husband is a carpenter. He earns about 10,000,000 VND. Hien is also a teacher and a farmer to earn a living. She has done this job for six years. She gains 3,000,000 VND per month. Her family’s total earnings are about 13,000,000 VND per month. Her challenge in life and work is the lack of capital to expand her family's business of capentry and lacking of her carpentry product's output. She wishes her children will grow up well and be successful in the future. This loan helps her get to this dream. She can invest in her carpentry workshop to gain earnings and save the profit for her children’s education.

Hien is a hardworking woman and has a passion for business. She has participated in SEDA's credit program since 2010. In the last loan cycle, she borrowed 8,288,000 VND and repaid on time. In this loan cycle, she would like to borrow 9,184,000 VND to buy wood for her carpentry workshop. She always wants to expand her business and raise her children well.

Additional Information

About SEDA:

The Center of Small Enterprise Development Assistance (SEDA) is a non-profit organization whose vision is to create “a society without poverty.” Founded in 2004, SEDA provides microfinance services to low-income and disadvantaged people in rural areas of Hanoi and the northern provinces of Vietnam through its Binh Minh Micro-Finance Program.

You can also join SEDA’s lending team to assist SEDA in continuing to support its portfolio of borrowers.

About Vietnam

  • $5,600
    Average annual income
  • 73
    View loans »
    Vietnam Loans Fundraising
  • $17,284,100
    Funds lent in using Kiva
  • 20,949.7
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Hien to buy wood for her carpentry workshop.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 14, 2013
Jun 20, 2013
Currency Exchange Loss:
May 17, 2014