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Mrs. Hem S., age 35, is a mother of four children and lives with her husband (who is pictured because Mrs. Hem S. is unavailable) in Prey Veng province, Cambodia. She and her husband work together on their rice paddy, growing crops and vegetables and raising pigs. They generally earn around $2 each day. Two of her children are currently employed at a garment factory and the rest are enrolled in school. Mrs. Hem S. is humbly requesting a loan to purchase 12 pigs, seed and fertilizer for her farm. She is confident and believes that her business will show improvement after five to six months.

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
  • 258
    View loans »
    Cambodia Loans Fundraising
  • $38,148,650
    Funds lent in using Kiva
  • 3,985.4
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Hem to purchase 12 pigs, seed and fertilizer for her farm.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 30, 2007
Nov 15, 2007
Currency Exchange Loss:
Jun 23, 2009