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Malai is 43 years old, married, and has three children. She resides in Takeo Province, Cambodia. She has been selling embroidered clothes for over six years, earning approximately $3 per day. Her husband runs a taxi service and earns approximately $3 per day. Two of her children are garment workers, earning approximately $6 per day.

In order to improve her business, Malai is requesting a loan for $700, which she will use to purchase more embroidered clothes to sell. By doing so, she will generate more profits to support her family. In the future, she would like to use the profits to expand her business, help her children earn their bachelor’s degrees, and build a wooden house.

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 $700 helped Malai to purchases more embroidered clothes to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Mar 19, 2012
Currency Exchange Loss:
May 17, 2013