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Phal S., 34, is married and lives with her two children and husband in Battambong province, Cambodia. She opened a beauty salon shop and sometimes she is hired to arrange clothes for grooms and brides for their weddings. On average, she makes US$3 each day. Her husband is a motor-taxi driver and he is able to make US$2.50 a day.

Phal S. would like to take out a loan of US$500 to purchase more decorative materials.

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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Phal to purchase more decorative materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 6, 2008
Nov 23, 2008
Currency Exchange Loss:
May 20, 2009