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Sem N., 43, is married and resides with her husband and five children in Takeo Province, Cambodia, an area known for pre-angkorean temples. She sells vegetables, earning an income of USD 6 per day. Her husband is a farmer, earning an income of USD 1 per day to help cover the family expenses. Each month, the family has to spend USD 25 on food and USD 40 on other necessary expenses. N. is requesting a loan of USD 1,000 to purchase a motorbike for family use. In the future, she would like to use any additional income to repair her house. This will be her first loan from CREDIT, a longstanding Kiva partner.

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
  • 131
    View loans »
    Cambodia Loans Fundraising
  • $35,072,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sem to buy a motorbike for family use.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 30, 2010
Jan 19, 2011
Currency Exchange Loss:
Jan 15, 2012