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Ou R., age sixty-two, is married and resides with her husband in Takeo Province, Cambodia. She has one child. She is engaged in a business of selling cow ties and cow bells, by which she earns an income of approximately US $3.30 per day. By doing this, she is able to cover her family expenses, especially for her child's education. She has been with this business since 1999. Her husband helps his wife in the business of producing cow ties, and he earns an income of US $3.30 per day. The family's standard of living has been improved since R. began working with this business, so she has requested a loan to expand her business. R. is requesting a loan of US $1,000 to purchase more nylons to produce more ties for sale. This is her first loan from CREDIT, a Kiva partner.

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
  • 78
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ou to buy more nylons to produce more cow ties for sale.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Feb 5, 2010
Feb 24, 2010
Currency Exchange Loss:
Jan 16, 2011