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Pha is 49 years old. She is a mother of two children and resides with her husband in Kampong Chhnang Province, Cambodia. She has been selling food for more than six years, earning approximately $5 per day. Her husband is employed in garment factory and earns about $5 per day. One of her children is a garment worker who earns about $3 per day.

Pha would like to run an additional business in order to improve her family’s finances. With this goal in mind, Pha is requesting a loan of $1000 to purchase farmland for growing agricultural crops. By doing so, she would earn extra income to support the family. In the future, she would like to expand her business and help her youngest child earn a bachelor’s degree.

Additional Information


KREDIT Ltd. 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
  • 143
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Pha to purchase farmland for growing agricultural crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 18, 2012
May 11, 2012
Currency Exchange Loss:
May 17, 2013