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Heang L., 30, is married and resides with her husband and two children in Kampong Cham Province, Cambodia, an area known for its rubber plantations. Heang sells clothes and is a tailor, earning an income of about USD 4.3 per day. Her husband is a construction worker, earning an income of USD 5 per day to help cover the family expenses. Heang has to spend USD 75 on food, USD 1.5 on electricity and water supplies, and USD 15 on other necessary expenses every month.

She is requesting a loan of USD 1200 to purchase more clothes to resell, and in the future would like to use any additional profit to repair her house. This will be 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
  • 268
    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 Heang to buy more clothes to resell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 15, 2010
Oct 24, 2010
Currency Exchange Loss:
Mar 15, 2012