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Koy K. is 57 years old and lives with her husband and three children in the Takeo province. Since 1995, she has been making and selling brooms at the local market to earn approximately $3 of profit a day, while her husband (pictured here) works in construction. On average, he makes $4 per day. This couple is also supported by two children who are garment-factory workers.

Koy K. is asking for a loan of $1,200 to purchase wood and other material to build a new wooden house. Since the old house is too old, not reliable and leaking during the rainy season, Koy K. asks for the loan to build a new house.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 97
    View loans »
    Cambodia Loans Fundraising
  • $41,820,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Koy to finish her construction.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 19, 2010
Sep 17, 2010
Currency Exchange Loss:
Jan 15, 2012