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Sao N., age 36, is married and has six children. She lives with her husband in Takeo Province. To make a living, she is engaged in a small business of producing Cambodian traditional cake (bananas with rice wrapped together in banana leaves), typically earning a gross income of US $4.00 per day. Her husband also plays a major role in the family finances. To generate a better source of income for his family, he is engaged in a business transporting palm sugar to sell with an income of US $9 per day. The family is also assisted by two of her children who are currently employed in a local garment factory.

The financial crisis has been difficult for business in Cambodia this past year. This factor has played into a difficult economic year for much of the country, N. included. The country's economic struggles always seem to affect the poor the most.

In light of the country's economic difficulties, N. is seeking to increase her income and improve her business. She is asking for a loan of US$ 1000 to purchase a motorbike and a trailer, a purchase that she sees as a great opportunity to collect coconuts from her village and other nearby places and sell them off at a fair but profitable price.

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
  • 45
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sao purchasing a motorbike and a trailer.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 13, 2009
Aug 20, 2009
Currency Exchange Loss:
Jan 16, 2011