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Kem T., 54, is a widowed farmer who lives with four of her children in the Takeo province. She typically makes US$2 a day and is also supported by three of her children, who are waiters. The weather conditions have been difficult in Cambodia this past year and inflation has also been out of control. These factors have played into a difficult economic year for many Cambodians, Kem T. included. She is asking for a loan of US$1000 to purchase fertilizer for the farm and a motorbike for her children to commute to work.

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
  • 293
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Kem to purchase fertilizer and a motorbike.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 16, 2010
Aug 27, 2010
Currency Exchange Loss:
Sep 19, 2011