Check out some available loans that are similar to this one!
Hem N., 31, lives with her husband and two children in the Takeo province, Cambodia. She is a professional at decorations and handicrafts. Since 2007, she has been using beads and other materials to make flowers on women's clothes to earn a living and typically make US$3 each day. Decorative dress is a kind of Khmer traditional dress and people wear it during Water Festival, P’chum Ben or Khmer New Year. It takes around 7-10 days to complete each dress and their price is expensive, too. Most people prefer hand-made to machine-made. She said she learned how to decorate from her mother and she has started doing that business as she is not yet married. Hem N. would like a loan of US$1000 to purchase more silk for decorating.

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
  • 50
    View loans »
    Cambodia Loans Fundraising
  • $38,700,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hem to purchase more silk for decorating.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 16, 2009
Oct 12, 2009
Currency Exchange Loss:
Feb 15, 2011