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Ban P., 52, is a farmer and lives about 125 miles from the capital of Phnom Penh City, Cambodia. Living in the Kampong Cham, she typically makes US$ 3 each day. She says planting rice is difficult as the weather conditions are often bad. She uses a lot of labor but earns little to support her family and sometime face up problems with the water supply.

Ban P. told a loan officer that it is strange because in the rainy season sometimes there is not enough water for planting. Inflation is a main factor that contributes to every single farmer's making less profit. The price of everything has skyrocketed including agricultural products such as fertilizer and rice seed. Most farmers can not afford the high price of fertilizer; that is why they make less output.

Ban P.'s husband works collecting palm juice to refine to sugar and makes US$ 2 per day. This couple together has seven children, five of whom are students. Two others are employed. Ban P. is asking for a loan of US$ 900 to rent two hectares of farmland to grow yams.

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
  • 212
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Ban to rent two hectares of farmland to grow yams.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 31, 2008
Oct 17, 2008
Currency Exchange Loss:
May 15, 2010