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Mrs. Moa T. is 54 years old, married and has six children. Two of her children are enrolled in school and four are married and live outside of the family’s home.

Mrs Moa T. and her husband are employed by a private company and earn about $7 a day. Because gasoline has become so expensive, she and her husband spend a lot of money taking a motor-taxi to commute to work every day. The price used to be $1.50 on motor-taxi but is now twice that.

This couple has applied for a loan to buy a motor-bike to use for their commute. This will reduce their transportation cost and can save her family a lot of money. ( Mrs. Moa's husband is pictured because she was not available when the photo was taken).

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
  • 77
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Moa to buy a motor-bike to commute to work.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 21, 2008
Apr 29, 2008
Currency Exchange Loss:
Dec 15, 2009