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Nhem K., 35, is married. She resides in the Siem Reap Province, Cambodia, with her husband and children. To make a living, she is engaged in a business buying bananas from the local farmers in her village for resale, earning an income of approximately $16 per day. This is her first loan from CREDIT, Kiva’s partner. Her husband is involved completely in the agriculture sector as a rice farmer, earning an income of $3 per day to help cover the family expenses. Mrs. K. and her family members are seeking to improve their standard of living and to generate a better income. Therefore, K. is asking for a loan of $500 to buy a motorbike to transport bananas for sale.

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
  • 288
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Nhem buy a motorbike.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 26, 2009
Nov 11, 2009
Currency Exchange Loss:
Sep 16, 2010