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Ly S. is a rice farmer in Kampong Cham province. She has been working the same land since 1980 and knows her homeland well. She is very smart when it comes to her time and the seasons; during the rainy season she keeps tools for fishing to supplement her income. Between fishing and farming she earns about $4.50 per day. Her husband farms even while she is fishing and earns an additional two dollars per day.

They have six children (a normal amount for a farming family) and one is married. Two of the older children help support the family working in a garment factory. They each make $40 per month.

Ly S. wants to develop both her farm and fishing businesses. She will apply her loan towards buying a small wooden boat with a small outboard motor. She will also buy gas for the boat and good fertilizer for her fields.

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
  • $41,825,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ly to purchase a wooden boat, fertilizer and gas.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 7, 2008
May 24, 2008
Currency Exchange Loss:
Jan 15, 2010