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Phan N., 60, is a widow who lives with her two children in Takeo Province, Cambodia. She has been growing rice and raising livestock since 1979 and is able to earn a gross income of US $0.50 per day. One of her children who works at a local garment factory earns an income of US $4 per day. This money helps cover the family expenses. N. and her children try to work hard every day to ensure a good standard of living for the family. And they are seeking to improve their businesses. As a result, she is requesting a loan of US $800 from CREDIT, Kiva’s partner. She wants to use the loan to purchase a motorbike for her children to commute to work. By doing so, she will able to cut back on public transportation expense and save up more money for the future. This is her first loan from CREDIT.

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
  • 273
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Phan to buy a motorbike.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 17, 2009
Jan 1, 2010
Currency Exchange Loss:
Oct 16, 2010