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Nov H., 50, is married and has five children. Three of his children are enrolled in a local high school. He resides in Phnom Penh City, Cambodia with his wife (pictured) and children. He is a village chief, earning an income of approximately US $5 per day. This is his first loan from CREDIT, Kiva’s partner. His wife, Soleang, is a housewife. Mr. H. and his family members are seeking to improve their standard of living and to generate a better income. Therefore, H. is asking for a loan of US $500 to purchase a motorbike for one of his children to travel to school easily. By doing so, H. hopes that his family will be able to cut back on public transportation expenses.

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
  • 158
    View loans »
    Cambodia Loans Fundraising
  • $41,502,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Nov to buy a motorbike.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 30, 2009
Nov 12, 2009
Currency Exchange Loss:
Jun 15, 2010