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Mrs. Ngham S. is 46 years old and lives in Siem Reap with her husband and their 6 children. She runs a small carpentry business, but only makes about $1/day in profits. Her husband drives a horse-cart and earns $3/day, while 2 of her children work in construction and contribute to the household income.

Mrs. Ngham S. will use this loan to buy some materials for her business. Any excess materials she has will go into repairing their house to prevent it from leaking during the monsoon season which has already started. In the future, she would like to make her business more profitable so that she can send her children to university.

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
  • 165
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ngham to purchase materials for carpentry business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 16, 2007
Jul 2, 2007
Currency Exchange Loss:
Feb 15, 2009