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Sao, 44 years old, is a guard in a hotel and earns $4.50 per day. His wife is a farmer who earns $3 per day. They have seven children; four are studying, another two are working and earn $5 per day together, and one more is only 3 years old. Every month, he has to spend $66 on food and $10 on other expenses.

He would like to request a loan of $1,200 to buy a motorbike for traveling to work. He wants to help his wife to have a small grocery shop to sell from after she finishes doing farming so that she can make other income. For his children, he will support them to study English so that they will easily find a job to do.

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
  • 73
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sao to buy a motorbike for traveling to work.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 22, 2011
Oct 16, 2011
Currency Exchange Loss:
Feb 15, 2013