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Phen S., 38, is married and lives with her husband in Takeo Province, Cambodia, an area known for pre-angkorean temples.

S. sells used clothes, earning an income of about USD 15 per day. Her husband is a farmer, earning an income of USD 0.5 per day. S. spends USD 35 on food, USD 5 on electricity and water supplies, and USD 30 on other necessary expenses every month.

S. is requesting a loan of USD 1000 to purchase more used clothes to resell. In the future, she would like to use any additional profit to repair her house. 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
  • 115
    View loans »
    Cambodia Loans Fundraising
  • $35,445,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phen to buy used clothes to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 2, 2010
Nov 29, 2010
Currency Exchange Loss:
Apr 17, 2011