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Ngoem's Group
In this Group: Ngoem, Nat, Yet
Aged 45 years, Ngoem is a rural villager from the EK Phnom district earning a living through planting cassava and growing rice. These are the main sources of the family’s income, and he has been in this business for 12 years. He has four children. The current business earns him about 95,000 KHR (Cambodian riels) per day, yet he can save about 40,000 KHR each day after daily expenses.

Ngoem’s group consists of three members who are all males. He is a client in his third loan cycle with Kiva’s partner VisionFund, and completely paid back the loans, which have helped him better support his family. Now he's leading his group to apply for a loan, and Ngoem will use his portion to buy fertilizers and seeds for his farmland, and will use a portion of it to spend on land plowing. He hopes this loan will enable him to increase his crop yields and sell for a good price to make a better living.

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
  • 144
    View loans »
    Cambodia Loans Fundraising
  • $41,481,900
    Funds lent in using Kiva
  • 3,977.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ngoem's Group's $1,025 loan helped a member to buy fertilizers and seeds for his farmland.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 27, 2013
Dec 23, 2013
Currency Exchange Loss:
Dec 20, 2014