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Phary, 47 year old, is a farmer. Her husband is a driver in a factory and their income is $4.50 per day. They have 4 children, two are studying in school and other two are working in a factory.

Every month she has to spend $30 on food, $5 on electricity, $10 on rent house fee, and $35 on other expenses. She would like to request a loan of $1,000 to buy a store in a market in Phnom Penh to sell groceries. She also wants to buy a flat in Phnom Penh and send her last two children to study in the university.

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
  • 111
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phary to buy a store in a market.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 9, 2011
Jun 30, 2011
Currency Exchange Loss:
Jul 24, 2012