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Tem S., 45, is married and resides with her husband and six children in Takeo Province, Cambodia, an area known for pre-angkorean Temples. S. and her husband are farmers and raise cows, earning an income of USD 5.00 per day. Two of her children are employed as a driver and a garment factory worker, earning an income of about USD 4.00 per day. The family has to spend USD 30.00 on food, USD 10.00 on public transportation, and USD 15.00 on other necessary expenses every month.

S. is requesting a loan of USD 1,200 to purchase cows and a motorbike for the family's use. 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. S.'s husband appears in the photograph because S. was not available.

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
  • 124
    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 Tem to buy a motorbike and cows.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 21, 2010
Oct 19, 2010
Currency Exchange Loss:
Mar 17, 2011