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Soy K. is 48 years old and has been farming her rice fields in Siem Reap province since 1980. Her husband, Saom Kean, works day to day beside her as they struggle to raise their children. Together they can earn only $2.50 US per day on average. They have seven children, three of whom are already married. Only one child is still in school, and the other three who remain unmarried farm with their parents. For poor farmers, children serve as a kind of guarantee or security. When Soy K. is too old to work she wants to have built a business her children can continue and that also allows them to take care of her. Her loan will go towards buying a small tractor which she will use to plow her farmland each season; she will also be able to leave this investment to her children, who will continue to work as farmers. Soy also has plans to expand into livestock once she can afford the pigs. She is pictured here with a neighbor's pig.

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
  • 81
    View loans »
    Cambodia Loans Fundraising
  • $41,793,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Soy to buy a tractor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 11, 2008
May 27, 2008
Currency Exchange Loss:
Jul 15, 2009