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Mrs. Lay L. and her husband (pictured here because she was busy farming when we visited) live in Phnom Penh with their newborn baby. Lay L. is 22 years old and works part time in a garment factory, earning $2.60/day, and farming part-time on their small plot of land. Her husband is a mototaxi driver and can earn $2.50/day. This loan will be used to purchase a new motorbike for her husband, and to build a fence around their farmland to protect it from animals. She hopes to have success in her farming business so that she can send her child to school.

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
  • 138
    View loans »
    Cambodia Loans Fundraising
  • $41,456,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Lay to purchase a motorbike and to build a fence around their farmland.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 19, 2007
Jul 4, 2007
Currency Exchange Loss:
Feb 15, 2009