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Morm T., 37, is married and lives with her husband and three children in Takeo Province, Cambodia, an area known for pre-Angkorean temples.

T. sells groceries and coffee, earning an income of USD 7.50 per day while her husband grows rice and raises cows to sell, earning an income of about USD 4 per day to help cover the family expenses. Every month the family has to spend USD 30 on food, USD 15 on public transportation, and USD 15 on their children’s education.

T. is requesting a loan of USD 1,200 to purchase more groceries and coffee to sell. In the future, she would like to use any additional profit to repair her house. This is her first loan from CREDIT, a long-standing Kiva partner in Cambodia.

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
  • 127
    View loans »
    Cambodia Loans Fundraising
  • $35,070,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Morm to buy more groceries and coffee to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 2, 2010
Sep 25, 2010
Currency Exchange Loss:
Mar 15, 2012