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Somaly, 32 years old, is a garment worker. Her husband is a salt seller. Their income is $7 per day. They have two children, 5 and 3 years old.

Every month, she has to spend $45 on food, $5 on electricity, $15 on transportation and $20 on other expenses.

She would like to request a loan of $600 to buy wood to build a new house because her old house is not good to stay in.

In the future, she wants to extend her business to make more income for supporting her family. And she wants to send her children to study and at least finish high school.

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 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
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $38,016,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Somaly to buy wood for building a new house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 9, 2011
Jun 24, 2011
Currency Exchange Loss:
May 16, 2012