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Um P., 59, is married and resides with her husband and three children in Phnom Penh City, Cambodia, an area known as the most populated city in the country. P. is a housewife and her three children are all employed at the factories, earning an income of about USD 3 each per day to help cover the family expenses. P. has to spend USD 47 on food, USD 10 on electricity and water, and USD 10 on other necessary expenses every month. P. is requesting a loan of USD 1,000 to purchase a motorbike for the family use. This is her second loan from CREDIT, a long-standing Kiva partner in Cambodia.

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
  • 232
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Um to buy a motorbike for the family use.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 16, 2010
Dec 29, 2010
Currency Exchange Loss:
Feb 15, 2012