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Khy N. is 34 years old. She and her husband live with her elderly father and their two young children in Kampong Cham province. She is a farmer in their village, while her husband works as a motor-taxi driver in the surrounding villages. Together they earn 4 US$ per day. Plowing fields by herself without anyone to help is a burdensome task for Khy N. and she wants to invest in a small tractor which will help her do her job. She will also make money off of this investment by loaning it out to other locals. If she can save enough money over time, she wants to buy a second plot of farmland to grow yams.

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
  • 47
    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 $800 helped Khy to buy a tractor.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 19, 2008
May 5, 2008
Currency Exchange Loss:
Dec 15, 2009