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Bay is 23 years old. He is a farmer’s son who lives in Kampong Cham Province, Cambodia. Currently, he is employed in a security company as an administrative assistant. He makes an income of $4 daily. Bay dreams of becoming the owner of a restaurant. To achieve his dream, Bay has enrolled in Build Bright University, with a major in Business Management. With his current income, Bay can’t afford to pay all the expenses of his studies. With the loan of $270, Bay can pay for tuition and fees for one semester. This money will help him pursue his studies at the university and help him gain the ability to manage his own business. He hopes that he will be successful in his career, with his degree.

Additional Information

More information about this loan

This loan is part of KREDIT’s higher education program, targeted to poor, low-income, and middle-income students who would otherwise not have the means to attain a higher education. With Kiva funding, KREDIT has designed a new product to cater to the needs of students.  KREDIT believes that all students, regardless of income, should have educational opportunities and sees developing human capital as vital to Cambodia’s future.  

Please be advised that this loan may carry a grace period while the student is in school that could lengthen the repayment term. Please refer to this loan’s repayment schedule before lending.


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
  • 202
    View loans »
    Cambodia Loans Fundraising
  • $40,005,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $275 helped Bay to pay his tuition and fees to study business management.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 27, 2013
Jul 2, 2013
Currency Exchange Loss:
Nov 19, 2013