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3.11.802.11.thiệu Ngọc Group
In this Group: Hoa, Thủy, Hường
Hoa is applying for a loan to purchase calves to raise and sell in the future. She works in agriculture, raising poultry and cattle. Hoa is 41 years old and she is married with 2 children. She is the group leader of the 3.11.802.11.Thiệu Ngọc solidarity group, which consists of 3 members. Hoa lives with 2 dependents in Thieu Hoa district, a rural town in Thanh Hoa province.

In 2010, Hoa joined the Thanh Hoa Fund for Poor Women to improve her business. Hoa has successfully repaid 1 loan from the Thanh Hoa Fund for Poor Women. She has been involved in this business for more than 10 years. The main hardship that Hoa faces in her business is the lack of capital. With her business profit, Hoa hopes to make enough money to provide for her kids, for her children to do well in school, and to be able to buy more supplies and equipment for her business.

Additional Information

About Thanh Hoa Microfinance Institution Limited Liability (Thanh Hoa MFI)

Thanh Hoa MFI works to provide credit to women and their families in the central Vietnamese province of Thanh Hoa, one of the poorest regions of the country. The institution's target clients are poor and low-income women who have the ability to work but lack the capital. Accordingly, Thanh Hoa MFI prioritizes single mothers, low-income women with children who have dropped out of primary school, and Viet Nam’s poorest women who cannot access any formal 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 Vietnam

  • $5,600
    Average annual income
  • 59
    View loans »
    Vietnam Loans Fundraising
  • $17,284,100
    Funds lent in using Kiva
  • 21,052.6
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of 3.11.802.11.thiệu Ngọc Group's $1,375 loan helped a member to purchase calves to raise and sell in the future.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 4, 2013
Dec 25, 2013
Currency Exchange Loss:
Jan 17, 2015