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Mrs. Pho M., 47, is married and lives in the Kampong Cham district of Cambodia. Currently, Pho M. herself does not work, but her husband, 50, runs a small stall charging vehicle batteries. Pho M. has applied for this loan so that she can buy speakers and musical instruments to rent out to the people in her area. She believes that there is demand for this as people like to play instruments on special occasions but do not want to buy them as they are not useful enough during the year.

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
  • 291
    View loans »
    Cambodia Loans Fundraising
  • $37,552,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Pho to buy speakers and musical instruments to rent to the people in her area.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 26, 2007
Sep 12, 2007
Currency Exchange Loss:
Dec 13, 2007