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Phol O., 38, is involved in the agriculture sector, growing garlic plants and beans at her plot of farmland since 2000 with a typical income of US$2 per day. She is married and has five children. Three of her children are students and the rest are employed as garment factory workers with a reasonable income to make a living. Her husband typically makes a living with his skill of fishing and helps his wife with her business. Currently, cultivation is a main source of generating income; however, O. recognizes that her husband’s skill is also important to make improvements to better her family's standard of living. Therefore, she has requested for a loan of US$1000 to purchase a fishing boat and fishing tools for her husband. (O.'s husband is pictured because she was not available.)

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
  • 141
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phol buying a boat and fishing tools.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 24, 2009
Jul 6, 2009
Currency Exchange Loss:
Jul 17, 2010