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Hem S., 52, is a widower and resides with his child in Kampong Chnang Province, Cambodia, an area known for palm products. S. is a police officer, earning an income of about USD 4 per day. His child is an air-conditioner repairman, earning an income of USD 4.3 per day to help cover the family's expenses. The family has to spend USD 40 on food and USD 6 on electricity supply every month.

S. is requesting a loan of USD 1200 to purchase a motorbike to for his son to commute to work. In the future, he would like to use any additional profit to repair his house. This is his 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
  • 259
    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 $1,200 helped Hem to buy a motorbike.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 15, 2010
Sep 27, 2010
Currency Exchange Loss:
Apr 17, 2011