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Lach R., 48, is a widower and rice miller who lives in Kampong Cham province with one of his children. He typically makes $3 a day and is supported in part by his children.

Because his children are the biggest sources of his income, Lach R. wants to help them. With a loan of $1,000 from CREDIT, he wants to buy a motorbike to transport his children to and from work. This will cut down on public transportation costs that are a big part of family expenses. He also wants to buy some gas for the motorbike and some rice. He hopes to make a profit from the rice by buying it with the husk attached and taking it off for resale.

Lach R. has an entrepreneurial mindset and is always seeking ways to diversify his family’s income. In the future, he hopes to replace his old rice mill, because he believes that a new one will increase his income further.

Additional Information


KREDIT Ltd. 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
  • 197
    View loans »
    Cambodia Loans Fundraising
  • $39,989,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Lach to buy rice and a motorbike.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 18, 2008
Jun 20, 2008
Currency Exchange Loss:
Feb 15, 2010