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Heang, 55 years old, sells groceries at home. Her husband is also a groceries seller but he sells at school. Their income is $36 per day. They have four children. Three are studying and one is working in a company for $6 per day.

Every month she has to spend $66 on food, $5 on electricity, $5 on rent, $50 on school fees and $10 for transportation.

She would like to request a loan of $1,000 to buy equipment for selling food. It is her new career. Because she wants to send all of her children to study in the university, she needs to get more money to support them, and selling food is a good career in the place she is staying. If she can save much money she wishes to buy a small shop in the market.

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
  • 311
    View loans »
    Cambodia Loans Fundraising
  • $37,561,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Heang to buy material and equipment to sell food.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 25, 2011
Jun 20, 2011
Currency Exchange Loss:
Oct 15, 2012