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Phem V., 30, is married with three school-aged children. She resides in Kampong Chnang Province, Cambodia with her husband and children. To make a living, she runs a dessert selling business, earning about $4 per day. Her husband always helps her with the business. Also he provides taxi services in town with his motorbike, earning about $5 a day to help cover the family expenses, when the motorbike is working. V. and her husband strive to improve their standard of living and generate a better income. Therefore, V. requests a loan of $600 to purchase a new motorbike for her husband because the old motorbike is not reliable and often breaks down.

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
  • 276
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Phem to buy a new motorbike.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 18, 2009
Dec 1, 2009
Currency Exchange Loss:
Oct 16, 2010