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Khoern's Group
In this Group: Khoern, Heng
Khoern is 55 years old and married. She lives with her husband and two sons in a rural area located in the Moung Russey district of Cambodia. She is a farmer who grows rice on six hectares of farmland. To supplement her income, her husband also works for others for a fee. Khoern's current business earns her about 48,000 KHR per day to meet her family’s needs.

This is Khoern's fourth loan from Kiva’s partner, VisionFund. She is now leading her group to ask for another loan. As the leader of the group, Khoern wants to use her portion to buy pesticides and fertilizers for her farmland. She hopes to grow her rice and to sell it for a good price.

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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 3,998.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Khoern's Group's $775 loan helped a member to buy pesticides and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 23, 2014
May 23, 2014
Currency Exchange Loss:
Sep 17, 2014