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Nov M., 25, is married and resides with her child in Battambong province, Cambodia, an area known for quality rice products. M. sells lotus flowers, earning an income of 4 USD per day. Her husband sells lotus flowers for an income of 3.5 USD per day to help cover the family expenses. Each month, the family has to spend 45 USD on food and 35 USD on other necessary expenses.

M. is requesting a loan of 700 USD to purchase more lotus flowers to resell. This will be her first loan from CREDIT, a longstanding Kiva partner. M. appears in the middle of the photograph where she is preparing lotus flowers to sell.

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
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $37,517,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Nov to buy more lotus flowers to resell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 19, 2011
Jan 25, 2011
Currency Exchange Loss:
Aug 15, 2012