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Phen R., age 44, is a widow and lives with her children in Phnom Penh. She has a business renting rooms to the garment workers, typically earning around $7 each day. She has a few rooms and the rent ranges from US$25 up to US$45 each month. Phen has five children, one of whom is married and no longer lives with her. To contribute to the family's daily income, Phen is supported by her daughter name Duk Keo Lina, who works in a restaurant, and makes around $5 per day. Phen still has two nieces who are under her care as well. To rent more rooms to the garment workers, she would like a loan to build more rooms. ( Mrs. Phen is pictured inside her house.)

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
  • 292
    View loans »
    Cambodia Loans Fundraising
  • $37,541,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phen to build rooms to rent.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 17, 2008
Jun 26, 2008
Currency Exchange Loss:
Aug 15, 2009