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Pum Y., 35, is married. She has two school-aged children who are enrolled in a local primary school. She lives with husband in Kampong Cham Province. She is a farmer who typically makes around USD $1.90 per day. Her husband is a baker, making USD $16.60 per day.

The financial crisis has been difficult for business in Cambodia this past year and inflation struggles have affected all Cambodians. These factors have played into a difficult economic year for much of the country, Y. included. The country's economic struggles always seem to affect the poor most.

In light of the country's economic difficulties, Y. is seeking to increase her income and improve her business. She is asking for a loan of USD $1200 to purchase a bakery machine for her husband's business, because the bakery business is the primary source of income for her family.

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
  • 229
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Pum to purchase a bakery machine.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 17, 2009
Aug 3, 2009
Currency Exchange Loss:
Jun 15, 2010