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Chhum S., 45, is a widow and resides with one of her children in Takeo province. She is a professional clothes decorator. Since 1997, she has been using beads and other materials to make flower designs on women’s clothes to earn a living and typically makes US$2.50 each day.

A decorated dress is a kind of Khmer traditional dress and women wear it during Water Festival, P’chum Ben or Khmer New Year. It takes around 7-10 days to complete each dress and so its price is expensive. Most of the people prefer hand made over machine made, though. Chhum said she learned how to decorate from her mother and she started doing this business since before she was married.

Chhum is asking for a loan of US$400 to purchase more silk and beads to expand her business.

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
  • 45
    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 $400 helped Chhum to buy more silk and beads.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 9, 2009
Oct 14, 2009
Currency Exchange Loss:
Jul 17, 2010