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Hay is a cake-seller and her husband is an artist. The couple has three children, all of whom are working in a beautician shop. The couple earns 8 USD daily and, together, their children earn 4 USD a day. Each month, Hay and her family spend 100 USD on food, 10 USD on electricity, 5 USD on rent and 10 USD on other expenses.

Hay is requesting a 1,000 USD loan to buy ingredients and equipment to start a business making and selling food. She has been planning to open this business for a long time, but has not been able to save enough money to start. This loan will enable her to start her new food-selling business and Hay hopes to earn more income than she currently does selling cake.

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
  • 330
    View loans »
    Cambodia Loans Fundraising
  • $37,587,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hay to buy ingredients and equipment to start a food-selling business.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 8, 2011
Jul 25, 2011
Currency Exchange Loss:
Dec 15, 2011