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Pao is a married woman who has three children in Kampong Speu Province, Cambodia.

To earn a living, she sells tamarind and earns approximately $6.66 per day. Her husband is a driver who earns around $3.33 and her two children are employed as factory labors who earns around $9.32 per day.

Now, she would like to apply for loan of $1,000 to buy construction materials to renovate her house. This loan helps her family live in good conditions.

In the future, she hopes that she can expand her business and her last child can get a high school diploma.

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
  • 115
    View loans »
    Cambodia Loans Fundraising
  • $35,445,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Pao to buy construction materials to renovate her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 27, 2014
May 17, 2014
Currency Exchange Loss:
Feb 20, 2015