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Phong R., 44, is married and lives with four of her children in Prey Veng, Cambodia. Since 2006, she has worked as a local teacher and makes US$1 per day. Her husband, Phong Pom, 41, is a construction worker building houses. He makes on average about US$1 per day as well. This couple also gets support from three of their children who work in a garment factory; their other child is a student.

Phong used to be a farmer but since it provided the family with harder work for less profit she decided to stop and start teaching young children in the state school in the village. Her husband has had a business building house since before they were married and so far he is still doing that job to earn a living. She said currently she faces a financial crisis because she spends more than she is able to make. The price of rice has doubled in the past year and the price of meat and fish has increased 30-60 percent.

To make more money, Phong is asking for a loan from Kiva via Credit, the local partner. She plans to replace the small grinding mill that she use currently in order to purchase a grinding mill to service the people in the village for extra profit. She also plans to build a bigger house. Her future plan is that she wants her youngest daughter to complete at least high school.

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
  • 208
    View loans »
    Cambodia Loans Fundraising
  • $40,007,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phong phong would like to replace her small grinding mill.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2008
Oct 23, 2008
Currency Exchange Loss:
Dec 15, 2009