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Lay, 32, is single and resides with her mother in Kampong Chhnang Province, Cambodia. She has been running a grocery store and a business of buying rice to resell for more than two years, earning approximately US $8 per day. In order to improve her family’s livelihood, Lay is requesting a loan of US $1,500 to raise capital for her business to purchase more rice to resell. This purchase would enable her to earn more profit to support her family. In the future, she would like to use the profit to expand her business.

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
  • 59
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Lay to raise capital for her business to purchase more rice to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 21, 2012
Apr 23, 2012
Currency Exchange Loss:
Mar 15, 2013