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Tes N. is a 45 year old housewife who lives in Kampong Cham province. Her husband cares for their family by working as a police officer in Phnom Penh. Phnom Penh police officers are better paid than in other parts of the country, and he earns US$5 per day. They have five children together, two of whom are unemployed while the rest are students. Since her husband must commute every day from his home province of Kampong Cham to Phnom Penh, three hours away, his family wants to invest in a motorbike to help him save time commuting to work. Right now he is forced to hitchhike each day to work.

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
  • 70
    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 $500 helped Tes to buy a motorbike.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 21, 2008
May 4, 2008
Currency Exchange Loss:
Dec 15, 2009