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Yem S. is married and has two school-aged children. She lives with her husband (pictured in front of his house, which is rented to other people) and children in Phnom Penh. To make a living, she sells a type of "hard" alcoholic drink in front of her house, typically earning a gross income of US $3.00 per day. Their primary source of income is her husband’s business. He is a police officer and he rents part of his house to other people, earning collectively an income of US $5.00 per day.

The financial crisis has been difficult for business in Cambodia this past year. This factor has played into a difficult economic year for much of the country, S. included. The country's economic struggles always seem to affect the poor the most. In light of the country's economic difficulties, S. is seeking to increase her income and improve her business. She is asking for a loan of US $700 to purchase more alcoholic drinks to expand her business. With the remainder of the money, she wants to repair her house. By doing so, she believes that she will be able to raise her family's standard of living.

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 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
  • 235
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Yem to buy more alcoholic drinks and repair her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 20, 2009
Aug 23, 2009
Currency Exchange Loss:
Sep 16, 2010