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Ngen T., 38, is widowed and resides with her child in Phnom Penh City, Cambodia, the most populated city in the country. She sells vegetables, earning an income of USD 5 per day. Her child is employed at a factory, earning an income of USD 3 per day to help cover the family expenses. Each month, the family has to spend USD 75 on food and USD 30 on other necessary expenses.

T. is requesting a loan of USD 1000 to purchase more vegetables to expand her business. In the future, she would like to use any additional income to repair her house. This will be her second loan from CREDIT, a longstanding 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
  • 171
    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 Ngen to buy more vegetables to expand her business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 4, 2011
Jan 17, 2011
Currency Exchange Loss:
May 16, 2012