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Phen S., 39, resides in Takeo province, Cambodia, an area known for Pre-angkorean temples. S. sells used clothes, earning an income of about USD 15 per day. Each month, the family has to spend USD 30 on food and USD 30 on the other necessary expenses. Sophay is requesting a loan of USD 1200 to purchase more clothes to resell. This will be her third loan from CREDIT, a long-standing 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
  • 110
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Phen to buy more clothes to resell.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Mar 29, 2011
Apr 22, 2011
Currency Exchange Loss:
Nov 15, 2012