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Ten Nua Group
In this Group: Bon, Hoai, La, Sao, Thien, Tam, Tien, Binh, Lieu, Khuyen
This is a 43-year-old woman of Thai minority; her name is Hoai. She's married with her two children who still attend school. She and her husband are working as farmers with a lot of agricultural activities, including growing rice and cereal, and breeding poultry and cattle.

She is now preparing for the next harvest and wants to buy a lawn mower, but it's difficult for her to approach capital. Hence, the loan from Anh Chi Em Program would help her continue her business.

She hopes that by her constant effort in producing, her children would be more abundant in life, and that both of them will go to college and change their current circumstance.

Hoai is the team leader of the Ten Nua group, which consists of ten Thai minority members. In the picture, Hoai is standing first from the right.

Additional Information

More information about this loan

Anh Chi Em (ACE) is an International NGO microfinance program that supports vulnerable and marginalized individuals in the severely underserved regions of Dien Bien and Muong Ang District in Dien Bien Province and in Northern Vietnam. Launched in 2007 by the French non-profit Entrepreneurs du Monde, ACE focuses on the financial inclusion of women from marginalized ethnicities and those affected by AIDS.
ACE offers two types of flexible loans alongside a voluntary savings program. The amortizing and bullet loans provide borrowers with key capital at an interest rate of 18%, compared to the national averages of 23.01%. The savings program pays clients 6% returns per annum.
Kiva lender’s funds help ACE to expand its services into new communes and more districts and offer loans to more vulnerable individuals. 

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
  • $17,244,150
    Funds lent in using Kiva
  • 21,050.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Ten Nua Group's $2,100 loan helped a member to buy a lawn mower for the field.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Dec 24, 2013
Dec 28, 2013
Currency Exchange Loss:
Dec 17, 2014