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Em S., 52, is married and lives with four of her children in Kampong Cham province. She is a farmer and also sells grocery items, typically making about US$2 each day. Her husband (pictured) has a business charging batteries from home. This business allows him to make US$8 in revenue every day.

The weather conditions have been difficult for farming in Cambodia this past year and inflation has also been out of control. These factors have played into a difficult economic year for many Cambodians, Em S. included.

In light of these economic difficulties, Em S. is asking for a loan of US$1,200 to purchase a truck so that her family can transport goods from market to sell and also batteries. She is confident that this loan will allow her to increase her daily income and to better support her family.

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
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $37,517,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Em to purchase a truck.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 9, 2009
Oct 1, 2009
Currency Exchange Loss:
Dec 16, 2010