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Sem S., 31, is married and resides with her husband and one child in Kampong Chnang Province, Cambodia, an area known for clay and ceramic products. She raises ducks and chickens for an income of about USD $2 per day. Her husband works cutting glasses, earning an income of USD $6.50 per day to help cover the family expenses.

S. has requested a loan of USD $1000 to purchase groceries to sell at home. In the future, she would like to use any additional profit to repair her house. This is her second loan from CREDIT, a long-standing Kiva Field Partner in Cambodia. S. and her husband are pictured together.

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
  • 53
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sem to buy groceries to resell.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 5, 2010
Apr 23, 2010
Currency Exchange Loss:
Oct 16, 2010