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Lay is 50 years old and is a food seller who earns 6.5 USD each day. Her husband hunts frogs to sell and earns 3 USD daily. The couple has seven children, three of whom are studying and four who are working and each earning 4 USD daily. Each month, Lay must spend 80 USD on food, 5 USD on electricity, 15 USD on school fees, and 10 USD on other expenses.

Lay is requesting a 1,000 USD loan to buy a motorbike so that her son can commute to work. She does not want to change her career as she makes a good profit. Lay will support her children to study in the university after they 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 Cambodia

  • $2,600
    Average annual income
  • 54
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Lay to buy a motorbike so her son can travel to work.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 29, 2011
Sep 22, 2011
Currency Exchange Loss:
Jul 24, 2012