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Phem Y., 48, is a widowed farmer who lives with one of her children in the Siem Reap province. She is a farmer who works for less than US$1 each day. The weather conditions have been difficult for farming in Cambodia this past year. This factor has played into a difficult economic year for many Cambodians, Phem Y. included. In light of this economic difficulty, she is asking for a loan of US$1,000 to purchase a hand tractor. Phem Y. was not available for the picture so her son is pictured instead.

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
  • 160
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phem to purchase a hand tractor.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 5, 2010
Apr 23, 2010
Currency Exchange Loss:
Dec 16, 2010