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Ratha is 26 years old. She is married and resides with two children in Takeo Province, Cambodia. She has been working in a garment factory for more than ten years, earning approximately $4 daily. Her husband (who is joining her in the picture) runs a public motorcycle transportation service (tuk tuk). He earns about $7 each day. Due to lack of funds, Ratha requests a loan of $1300 to purchase construction materials finish building her house. This money will help her obtain a comfortable house and provide better living conditions for her family. In the future, she would like to run a tailoring shop at home and send her children to 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 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
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $38,016,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Ratha to purchase construction materials to finish building her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 3, 2013
Feb 1, 2013
Currency Exchange Loss:
Apr 16, 2014