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Nhem V. lives with her husband and three children in Phnom Penh, Cambodia. Her husband (pictured here) is a motorcycle taxi driver and can make about $4.00 per day. Two of the couple's daughters work at a local restaurant, while their son works in Thailand. V. is currently unemployed, but she has an idea to expand the family's house in order to use it as a rental property. To do this, she is requesting a $1000 loan. She will use this loan to repair the house and also to add new rooms. Eventually, V. hopes that she will be able to build a second house, which she would use exclusively as a rental property.

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
  • 47
    View loans »
    Cambodia Loans Fundraising
  • $38,692,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Nhem to repair and expand house in order to rent out rooms.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 12, 2007
Apr 27, 2007
Currency Exchange Loss:
Dec 15, 2008