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A Kompong Chnang Resident, K. Sina is 29 years old and lives with her 40-year-old husband, Khem Phat, who is a teacher at Soramrith high school. She works hard as a grocery seller and earns a daily income of $3.50 while her husband earns $4 a day. They have two kids and have monthly expenses that are a bit high comparing to their current income. K. Sina is optimistic that if she takes the second loan before the Khmer New Year, it will be possible to buy more goods such as rice, orange juice, beer, and gasoline for her store and to sell it well because the store is conveniently located in the center of the village, and it has been open for 3-4 years already. As a result, her income will increase due to the plentiful amount of the goods sold. Moreover, she is now trying to save more money and pay everything in order to newly build a house. (K. Sina pictured with her daughter)

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
  • 53
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Sina buy more inventory.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 6, 2009
May 1, 2009
Currency Exchange Loss:
May 15, 2010