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Ay is 51 years old. He is married and resides with five children in Kampong Speu Province, Cambodia. He has been working as a construction worker for more than six years, earning approximately $2 daily. His wife is a rice farmer who makes an income of $2 each day. Three of their children are employed. They earn about $9 per day. Due to the lack of funds, Ay is requesting a loan of $800 to purchase construction materials to build a bathroom and toilet. This money will help him provide hygienic living conditions for the family.

In the future, he would like to run an additional business and help his children earn bachelor's degrees.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 81
    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 $800 helped Ay to purchase construction materials to build a bathroom and toilet.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Feb 8, 2013
Currency Exchange Loss:
Mar 18, 2014