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Pho's Group
In this Group: Pho, Horng
A mother of three kids, Pho is 42 years old and a resident from Dambae district of Kampong Cham province. To overcome her family’s hardship, Pho grows cassava and rubber three as her main source of income. This is not the first loan for Pho with VisionFund (Kiva’s partner). She has repaid her previous loan completely and it has improved her lifestyle gradually. Now, in a group of two, she is a leader. For Pho, she will spend her entire loan portion to buy potash, to pay a ploughing fee and to pay a reaping fee. She hopes to gain triple the yield than before.

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
  • 81
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 4,049.9
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Pho's Group's $1,000 loan helped a member to buy potash, to pay a ploughing fee and to pay a reaping fee.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 16, 2014
Jul 20, 2014
Currency Exchange Loss:
Jul 17, 2015