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Mrs. Saret R., age 29, has been selling groceries in the Takhmao Market for 10 years. She has been married to Mr. Bros Ngov, age 35, since 1995. They live in a small village along National Road Number Two, about 12 kilometers from Phnom Penh City, and have three children, one son and two daughters. Two of the children attend school and the youngest one stays at home. Her husband sells pickle fruit. Saret is applying for her first loan of $500 to build a brick and concrete room under her wooden house.

Additional Information


MAXIMA Microfinance Plc is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 45
    View loans »
    Cambodia Loans Fundraising
  • $38,700,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Saret to build a brick and concrete room under her wooden house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 26, 2009
Dec 9, 2009
Currency Exchange Loss:
Jul 19, 2010