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Ann S. O., 35, has owned a small stand since 2006, where she sells various kinds of stuff like shoes, light torches, ingredients, soft drinks, beer, and other household products for customers. On average, she makes $7.50 in revenue. Her husband, Hoeun Hon, has a big ice store in the village where he sells ice to the community, and earns about $6.50 each day. In Cambodia, most of the people buy ice from the ice store or ice vendor daily. They put ice into their clean water for their daily drink, and unlike the people in the city, they have their own refrigerator. Mrs. Ann S. O. would like to expand her inventory to meet her growing customer demand, as well as to generate more additional income.

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
  • 162
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ann to expand her grocery inventory.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 3, 2008
Jun 26, 2008
Currency Exchange Loss:
Dec 15, 2009