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Ul P. is 55 years old and lives with his wife and six children in Phnom Penh, Cambodia. P. constructs houses on his property, which he then rents to families. Currently, P. has only one rental house, which generates about $3.00 per day. His wife, Marin (pictured here because P. was unavailable), works as a seamstress and usually makes about $1.50 profit per day. Three of their children have graduated high school and work for a private company, while the other three are still students. P. hopes to use this loan to buy the materials to construct more renal houses. In the future, they hope to earn enough money to send their children to university.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 116
    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 $500 helped Ul to build a rental house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 29, 2007
Apr 15, 2007
Currency Exchange Loss:
Mar 3, 2008