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N. Phally, 38, has been involved in a grocery business for nine years in PhN. Penh City, with an income of $10 per day. Her husband is a motor-taxi driver, with a daily income of $5, who usually stays at a nearby market to provide transportation services to his customers. Together they have three children: two of them are at school, and another one is a phone repairman.

Phally is really satisfied with her grocery business because she can earn a fair income to make a good living. So she has made up her mind to borrow $1,000 from Kiva to expand her inventory of goods in her grocery business. She hopes her two children will be able to finish their high school and study at a good university.

Additional Information


KREDIT Ltd. is one of Kiva’s most established partners in Southeast Asia. The organization empowers the economically-active poor and small entrepreneurs by providing inclusive financial services. Beyond loans, KREDIT offers low-income clients complementary training in debt management, savings and budgeting. In addition, KREDIT partners with NGOs to offer training in primary health care, agricultural techniques and HIV/AIDS awareness.

For more information on KREDIT, please visit its partner page. If you would like to engage more with KREDIT and its borrowers, you can also join its lending team, KREDIT MFI Cambodia.

About Cambodia

  • $2,600
    Average annual income
  • 257
    View loans »
    Cambodia Loans Fundraising
  • $37,529,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phally to buy more groceries for her store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 4, 2009
Jun 15, 2009
Currency Exchange Loss:
Jul 17, 2010