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Pho is 50 years old, married and lives with her two children in Prey Veng Province, Cambodia. She has been cultivating rice and raising livestock for more than 20 years, and earns about $5 daily. Her husband is a teacher who earns about $2 per day. Her children have jobs and each earns about $3 a day. Pho is requesting a loan for $1,300 to buy a walking (or hand) tractor to use on her farm. In the future, she would like to expand her business and also build a new house as soon as possible.

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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Pho to buy a walking tractor to use on her farm.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 21, 2012
Nov 1, 2012
Currency Exchange Loss:
Jan 17, 2014