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Sothy has four children; two are studying and the other two are working in a factory earning $3 a day each.

Sothy is also a garment factory worker, while her husband raises chickens to sell. Together their income is $5 a day. Every month, she must spend $50 on food, $20 on transportation, $15 on school fees, and $25 on other expenses.

Sothy is requesting a loan of $1200 to buy a cow so as to sell its calf once born. In the future, she will help her husband to raise more chickens to sell, as this career can result in a good income.

Sothy plans to send her children to study at the university when they finish high school.

Additional Information


KREDIT Ltd. 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
  • 124
    View loans »
    Cambodia Loans Fundraising
  • $39,835,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sothy to buy a cow so as to sell its calf once born.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 13, 2011
Aug 2, 2011
Currency Exchange Loss:
Mar 15, 2012