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Phot S. N. is thirty-three years old and married with three school-age children. She lives with her husband in Takeo Province. She is engaged in a weaving business, typically earning an income of $3 a day. Her husband also generates income for the family as a farmer, earning $2 a day.

The world's financial crisis has been difficult for businesses in Cambodia this past year. This factor has created a difficult economic year for much of the country, the Phot S. N.'s family included. The country's economic struggles always seem to affect the poor the most. In light of Cambodia's economic difficulties, N. is seeking to increase her income and improve her business. She is asking for a loan of $700 to buy cows, a purchase that she sees as a great opportunity to produce maximum income and thus raise their standard of living.

Additional Information


KREDIT Microfinance Institution Plc., 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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Phot to purchase cows.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 12, 2009
Aug 21, 2009
Currency Exchange Loss:
Apr 15, 2010