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Pharat is 29 years old. She is married and resides with her two children in Kratie Province, Cambodia.

She has been selling groceries for more than two years, earning approximately $10 a day. Her husband (who is joining her in the picture) is a farmer who earns about $8 per day.

In order to improve her family’s finances, Pharat is requesting a loan of $1,500 to purchase more groceries to resell. By doing so, she would be able to generate more income to support the family. In the future, she would like to use the profits to expand her business and send her children to good schools. Moreover, she hopes to build a new house as soon as possible.

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
  • 155
    View loans »
    Cambodia Loans Fundraising
  • $41,452,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Pharat to purchase more groceries to resell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Sep 1, 2012
Currency Exchange Loss:
Jan 17, 2014