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Co Man Group
In this Group: Thuong, In, La, Bien, Noi, Thanh, Anh, Hac, Thanh, Thuong, Xien, Phuong
Bien is a Thai woman of 23 years. She is married with one 2-year-old child. Her brother-in-law also lives with them because his parents got divorced.

To cover her family’s everyday needs, Bien works very hard by diversifying her agriculture activities, such as cultivating rice, vegetables, and cereal, and raising pigs, chickens and fish. At this time, she faces the difficulty of a recent poor harvest so she wants to invest more in breeding. Accordingly, in this loan cycle, she will use her portion of the money from the Anh Chi Em Program to buy piglets.

Bien hopes that her family will always have abundant food and her child will go to university, become an official and have a better life. In the picture, she's standing on the far right and is holding a herbaceous branch.

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
  • 67
    View loans »
    Vietnam Loans Fundraising
  • $17,244,150
    Funds lent in using Kiva
  • 21,075.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Co Man Group's $2,475 loan helped a member to buy piglets.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Dec 27, 2013
Jan 4, 2014
Currency Exchange Loss:
Dec 17, 2014