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Mrs. Chok S. is 47 years old and lives with her husband and 3 children in a part of Phnom Penh, Cambodia. She makes her living by building rooms and renting them to the nearby garment workers. She can typically make around $2 each day, while her husband works at a private company as a driver and makes around $5/day. Additionally, 2 of her children work at a private company, and the other attends school. Due to the increase in the number of her tenants, Chok S. is currently asking for $1000 to build more rooms to rent out. In the future, she would like to be able to build as many rooms as she could to generate more income.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 206
    View loans »
    Cambodia Loans Fundraising
  • $39,967,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Chok to build more rooms to rent out.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 20, 2007
Jul 4, 2007
Currency Exchange Loss:
May 27, 2008