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Phanna is 28 years old. She is single and lives with her mother and sister in Kampong Chhnang Province, Cambodia. She has been working in a garment factory for more than seven years, earning approximately $4 daily. Her mother is a vegetable vender who makes an income of $3 per day. Her sister is also employed in a garment factory. She earns about $3 each day.

Due to lack of funds, Phanna requests a loan of $1200 to purchase timber and zinc to rebuild her house. This money will help her provide better living conditions for the family. In the future, she would like to run a tailoring shop to make more income for the family.

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
  • 139
    View loans »
    Cambodia Loans Fundraising
  • $41,476,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Phanna to purchase timber and zinc to rebuild her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Mar 7, 2013
Currency Exchange Loss:
Jan 17, 2014