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Mrs. Chay S., who is 48 years old and is a mother of 3 children, lives in part of Phnom Penh, Cambodia. She sells fruit at the side of the road and normally makes around $5/day in revenue. Her husband, meanwhile, is self-employed as a motor-taxi driver and typically contributes his daily income to the family savings. One of this couple's children works at the nearby local garment factory, and the two others are enrolled in school. S. is asking for a $1000 loan to purchase a passenger cart to be attached to her husband's motorcycle and make it a tuk-tuk, a motorcycle taxi. She thinks this can make additional income. In the future, S. would like to have enough money to invest in a grocery business rather than selling fruit at the roadside.

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
  • 207
    View loans »
    Cambodia Loans Fundraising
  • $39,918,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Chay to purchase a passenger cart for a motorcycle.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jun 14, 2007
May 30, 2007
Currency Exchange Loss:
Jan 15, 2009