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Sai S. is a 43-year-old woman who lives in the town of Battambong Province. She is married and has one school-aged child. To make a living, Sai owns and operates an agricultural business whose main activity is raising crops. Planting and harvesting fruits and vegetables for sales is the main, but not the only, source of income. Sai has been engaged in this business for over 24 years and she earns approximately US $45 a month.

In 2009, Sai joined CREDIT to gain access to financial services to help improve her living situation and ability to engage in business activities. This is Sai's first loan request from CREDIT and she is asking for a loan of US $800. The loan will be used to invest in starting a new business of selling groceries. Sai plans to use the additional revenue generated from the new business to supplement the family's income.


CREDIT's mission is to provide inclusive financial services tailored to the clients' needs through excellent service and positive relationships while maintaining organizational sustainability.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

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
  • 42
    View loans »
    Cambodia Loans Fundraising
  • $38,736,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Sai to purchase groceries.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Aug 3, 2009
Currency Exchange Loss:
Aug 15, 2010