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Hauy S. is 60 years old and lives in the Thmor Kor district of Kampong Cham province. Since 1979, she has been growing vegetables and rice to sustain her family. She also takes these vegetables to the markets to sell. She only earns 1 USD a day.

Her husband, Suon Sem, is also 60 years old and works on staff with a telephone company making 4 USD a day. Of their five children, three are married, while two are single and still live at the family home. The two children at home are garment factory workers, each earning 7 USD per day. She wants to use her loan to buy wood and repair their roof which has been leaking for some time.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 67
    View loans »
    Cambodia Loans Fundraising
  • $41,838,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Hauy to repair the house's roof.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 25, 2008
Apr 9, 2008
Currency Exchange Loss:
Nov 15, 2009