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Khem R., 46, is widowed and lives with her only child in Phnom Penh City, Cambodia, an area known as the most populated city in the country. R. is a housewife while her daughter is employed in a local garment factory, earning an income of USD 3 per day to help cover the family expenses.

R. is requesting a loan of USD 400 to purchase rice to stock and sell. By doing so, she is able to generate more income for her family. This is her first loan from CREDIT, a long-standing Kiva partner in Cambodia.

In the future, R. would like to use any additional profit 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
  • 259
    View loans »
    Cambodia Loans Fundraising
  • $38,024,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Khem to buy rice to stock and sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 2, 2010
Sep 13, 2010
Currency Exchange Loss:
Sep 19, 2011