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Sem H., 29, resides with her family in Siem Reap province, Cambodia, an area known for angkorean temples. H. is a housewife while her husband is a motor-taxi driver, earning an income of USD 5 per day. Each month, the family has to spend USD 60 on food and USD 3 on the other necessary expenses.

H. is requesting a loan of USD 500 to pay for the children’s school fees. In the future, she would like to use the additional income to repair her house. This will be her third loan from CREDIT, a long standing 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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $35,445,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Sem to pay for the children's school fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 10, 2011
Feb 22, 2011
Currency Exchange Loss:
Feb 15, 2012