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Houen is a housewife. Her husband is a construction worker with $3 per day for his income. She has three children, and all of them are working in the factory with an income of $3 per day each. Every month, she has to spend $80 on food, $10 on electricity and $20 on other expenses.

She would like to request a loan of $1,000 to buy construction material for re-building her house. This loan will help her to get a better house to live in with her family. In the future, she plans to buy more equipment for her husband's construction work so that he can make more income to support the family.

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
  • 258
    View loans »
    Cambodia Loans Fundraising
  • $38,037,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Houen to buy construction material for re-building her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 13, 2011
Aug 5, 2011
Currency Exchange Loss:
Nov 15, 2012