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Lay Houy
Lay Houy, age 53, is married and resides with her husband and four children in the Takeo province of Cambodia. She and her husband have been growing agricultural crops for more than 20 years, earning approximately $3 per day. Additionally, her husband is a construction worker who earns approximately $5 per day. All of her children are employed at a factory.

Due to the lack of cattle, Lay Houy is requesting a loan of $1,000 to purchase cattle to use for farming. In the future, she hopes her husband will become a construction foreman. Moreover, she hopes to rebuild her present house to provide better living conditions for her 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 Cambodia

  • $2,600
    Average annual income
  • 41
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Lay Houy to buy cattle for farming.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 23, 2012
Feb 17, 2012
Currency Exchange Loss:
May 17, 2013