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Nhem P., 64, is married and lives with her five children and husband in Phnom Penh City, Cambodia. She is a housewife, who stays at home and looks after her children and family. To make a living, her husband is employed in a local private company, earning an income of US $3 per day to help cover their family expenses. P. and her family members are seeking to improve their standards of living and generate a better income. Therefore, P. is asking for a loan of US $1200 to purchase a motorbike for one of her children, to commute to work. She thinks that this expected loan to buy a motorbike will enable her family to cut back on their public transportation expenses. This is her first loan from CREDIT MFI, Kiva’s partner.

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
  • 48
    View loans »
    Cambodia Loans Fundraising
  • $38,705,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Nhem to buy a motorbike for commuting to work.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 16, 2009
Jan 1, 2010
Currency Exchange Loss:
Oct 16, 2010