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Nhov S., 34, is married and has three school-aged children. She resides in Siem Reap Province, Cambodia with her husband and children. To make a living, she is engaged a business of selling food at a nearby local market in the town, earning an income of approximately US $4 per day. The family is also assisted by her husband who is employed as a construction worker, earning an income of US $6 per day as a primary source of income for the family. Also, the members of S.’s family are seeking to improve their standard of living and to expand their current business. Therefore, S. is asking for a loan of US $1200 to purchase a new motorbike for her husband to commute to work easily. She thinks that this expected loan, used to invest in buying a new motorbike, will help her family to cut back on expenses of public transportation. She will be able to use the motorbike to transport goods from the market. By doing so, S. hopes that her business will go well so that she is able to generate extra income for the future household use.

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
  • 201
    View loans »
    Cambodia Loans Fundraising
  • $39,926,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Nhov to buy a new motorbike.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 8, 2009
Nov 1, 2009
Currency Exchange Loss:
Jan 16, 2011