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Navy T., 36, is married and resides with her three young children and her husband in the Takeo province. She is a professional decorator of handicrafts. Since 1996, she has been using beads and other materials to make flowers on women's clothes to earn a living, typically making US$2.5 each day. She decorates a kind of Khmer traditional dress and people wear it during Water Festival, P’chum Ben or Khmer New Year. It takes around 7-10 days to complete each dress and the price is expensive too. Most of the people prefer handmade than machine made. She said she learned how to decorate from her mother and she started doing that business before she was married. Navy T. would like to take out a loan of US$400 to reinvest in her business.

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
  • 51
    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 $400 helped Navy to buy silk and beads.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 7, 2009
Oct 22, 2009
Currency Exchange Loss:
Jun 15, 2010