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Lay, 47 years old, is a farmer. Her husband is a soldier. Their income is $3 per day. They have three children; one is studying and two more are working in a factory, each earning $3 per day. Every month, she has to spend $28 on food, $5 on electricity, $7 on rent, $6 on school fees, $10 on transportation, and $10 on other expenses.

She would like to request a loan of $1000 to buy a motorbike for her husband to use to travel to work. In the future, she wants to have a small grocery store at home so that she can make another income for her family. She wants to support her son to finish high school and send him to vocational training to learn how to repair motorbikes.

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
  • 115
    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 $1,000 helped Lay to buy a motorbike for her husband to use to travel to work.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 18, 2011
Sep 12, 2011
Currency Exchange Loss:
Jan 15, 2013