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Tharom (picture here) is single, age 22, lives with her parents, brother, and sister in the suburb of Phnom Penh.

Tharom has been working in a mini-mart for a year. She wants to study accounting at the university, that’s why she decided to apply to pay school fees. She will use money from the loan to pay for her first year.

Credit to study bachelor's degree in Cambodia: There are four years, and divided into two semesters each year; first and second semester. And students can prefer to pay the school fees by the year or the semester, depending on the school or university's privacy policy.

Additional Information

More information about this loan

This loan is part of Maxima's new higher education program designed to increase access to college degrees for students from low-income families. This is a new initiative for Maxima, developed with technical assistance from Vittana, another Kiva partner focused on student loans. By making education more affordable, this loan program is well-positioned to help young people lift themselves out of poverty and start creating change for their families and communities.


MAXIMA Microfinance Plc is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.

About Cambodia

  • $2,600
    Average annual income
  • 172
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Tharom to pay for her school fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Oct 7, 2013
Currency Exchange Loss:
Oct 17, 2014