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Noong Luong 12 Group
In this Group: Hong, Thom, Bien, Oi(Linh), Om, On, Suong
Mrs. Thom, 27, is a Thai lady who has worked at farming with lots of experience. She currently lives in a small Thai traditional house with other seven members in her family, including her parents-in-law, her two brothers-in-law and her husband along with her two children. Her son is at grade 2 and attends school fully while her daughter is 2 years old and looked after by her parents-in-law when she works on the rice field.

Thom and her husband take the main responsibility in providing for the family. They mostly work at agriculture production such as raising chickens, pigs, fish and growing rice, and fruit. Besides, her husband works extra for local construction employer to better cover living expenses for the family.

This is the third loan that Thom has had in Anh Chi Em Program. She said that she was really interested in the loan and training services of the Program. In the previous loan from Anh Chi Em, she bought fish food and thanks to the training techniques in raising fish she received, she produced a high yield and received a good profit. This time she will continue using the loan to buy fish food and expand her fish farming.

She hopes this business plan will improve significantly her family income so that she can afford to buy her children new toys and books, as well as purchase some new furniture for her house.

In the picture, Thom stands first from the right on the first line, with a very pretty smile on her face.

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
  • 60
    View loans »
    Vietnam Loans Fundraising
  • $17,281,325
    Funds lent in using Kiva
  • 21,180.0
    Vietnam Dong (VND) = $1 USD

Success!! The loan was 100% repaid

A portion of Noong Luong 12 Group's $1,750 loan helped a member to buy fish food for her fish business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jul 18, 2014
Aug 23, 2014
Currency Exchange Loss:
Sep 30, 2015