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Phy N. is a 42-year-old widow and lives with her son in Phnom Pehn, Cambodia. Phy is a very hard-working mother who is struggling to feed her family. She earns money by selling tradditional Khmer cakes such as Num bot, Num Ansorm, and Num Korm. Her husband passed away many years ago and since then, she has been responsible for all the expenses in the family. her son helps his mother by doing construction work, making about $5/day. Phy N. hopes the loan will allow her to purchase some construction tools and new cooking utensils for her business.
In the future, she would like to open a grocery store and build a concrete house for her small family.

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
  • 205
    View loans »
    Cambodia Loans Fundraising
  • $39,862,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Phy to buy some utensils and construction tools for a business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 26, 2007
May 12, 2007
Currency Exchange Loss:
Dec 13, 2007