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Residing in the Trang district of Takeo province, Lay is 38 years old and married. She has two children, one of whom still counts on her and is still at school. She has struggled to make a living by working as a rice farmer while her husband is a palm juice maker. She and her husband have engaged in this business for 22 years and are able to earn up to 11 US dollars per day. However, she is able to save only 2 US dollars per day after deducting all of her expenses.

Lay has never been with Kiva's partner, VisionFund, before. Now, she is applying as the first-time borrower with VisionFund. She is going to use her portion to pay for her son’s tuition fees at the local university. She hopes that the loan will enable her to keep her son in university to pursue a degree so he can find a good job after graduation.

Additional Information

More information about this loan

This loan is part of VisionFund Cambodia’s higher education program, designed to provide financing to students in poor households who otherwise lack the financial support to continue their studies. Very few students have the financial resources necessary to go to college. VisionFund Cambodia has designed a lower-interest rate loan product for students, given the financial benefits associated with financing this loan upfront on Kiva. It is disbursed to the borrower in annual installments.

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.


About Cambodia

  • $2,600
    Average annual income
  • 84
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,650 helped Lay to pay for her son's tuition fees at the local university.
100% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Nov 1, 2013
Currency Exchange Loss:
May 17, 2016