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Morn S. is 58 years old and has one child, two nieces, and one older brother. Her child is a vendor selling second-hand phones in Phnom Penh. They are depending on Mrs. Morn to provide for them. Morn is a widow and has been working as a teacher at a state school since 1979. After the full time class, she opens an extra class to her students to make additional income. On average she earns $1.60 of profit per day.

Mrs. Morn currently is requesting a loan from Kiva to help open a stand in a busy market for her son who is selling telephones in Phnom Penh. This will help him to earn more profits to support the family income. Mrs. Morn is pictured with her older brother.

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
  • 110
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Morn set up a shop stand for her son.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 14, 2008
May 31, 2008
Currency Exchange Loss:
Jan 15, 2010