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Kourch H., 51, is married and resides with his wife and two children in Phnom Penh City, Cambodia: an area known for being the most populated area in the country. H. is a motor-taxi driver, earning an income of about USD 5 per day. His wife sells fried bananas, earning an income of about USD 7 per day. The family has to spend USD 75 on food, USD 12 on electricity and water supplies, and USD 35 on other necessary expenses every month.

H. is requesting a loan of USD 700 to repair his house. In the future, he would like to use any additional profit to send his children to good schools. This is his first loan from CREDIT, a long-standing Kiva partner in Cambodia.

H.'s wife appears in the photograph because H. is not available.

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
  • 158
    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 $700 helped Kourch house repairs.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 22, 2010
Oct 21, 2010
Currency Exchange Loss:
Apr 17, 2011