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Phat, 38, is married and resides with her husband and six children in Kandal Province, Cambodia. She and her husband have been involved in an agricultural business for over 20 years, have extensive experience and are successful in their careers. They grow rice and fish, earning approximately US $5 per day. Four of Phat's children are employed as construction and garment workers, earning about US $12 per day.

Due to the family's transportation difficulties, Phat is requesting a loan of US $1,200 to purchase a motorbike to commute. This purchase would enable Phat to use the saved money from her transportation expenses to support the family. In the future, she would like to purchase more farmland to expand her business and to help her children get bachelor’s degrees.

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
  • 97
    View loans »
    Cambodia Loans Fundraising
  • $41,820,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Phat to purchase a motorbike to commute.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 15, 2012
Apr 14, 2012
Currency Exchange Loss:
Aug 17, 2013