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Hoy is 51 years old. She is widowed and resides with her two children in Siem Reap Province, Cambodia. She has been running a grocery store for more than two years, earning approximately $5 per day. Her daughter is employed as a sales representative. She earns about $5 per day. Due to her family's transportation difficulties, Hoy is requesting a loan of $1,000 to purchase a motorbike. This purchase would enable her to use the money saved on her transportation to support the family. In the future, she would like to expand her grocery store and help her youngest child earn a bachelor’s degree.

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
  • 103
    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 $1,000 helped Hoy to purchase a motorbike to commute.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Apr 26, 2012
Jun 1, 2012
Currency Exchange Loss:
Dec 17, 2013