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Phorn is a garment factory worker. She is single and stays with her parents and a few siblings. Her family makes $6 per day for income. Every month, she has to spend $35 on food, $3 on electricity, $20 on rent, $15 on transportation, and $35 on other expenses. She would like to request a loan of $900 to study at beauty school and buy the materials needed for her studies. This loan will help her to get a skill that can help her in the future. She plans to get a small shop for a beauty salon because she wants to quit working in the factory.

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
  • 262
    View loans »
    Cambodia Loans Fundraising
  • $38,023,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Phorn to study at beauty school.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 15, 2011
Aug 4, 2011
Currency Exchange Loss:
Mar 15, 2012