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Sepiphose is 54 years old and sells clothing. Her husband is a chief of construction workers and their income is $7 per day. They have four children. One child is studying and the other three sell food in front of her house in the village. Every month, she has to spend $40 on food, $18 on school fees, and $14 on other expenses. She would like to request a loan of $1,000 to buy cement and steel for her husband for doing construction because he is a chief of construction workers and he has to buy building materials for his customers before they pay him. Her husband wants to expand his business because he can make a good income from it.

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
  • 53
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sepiphose to buy cement and steel.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2011
Jul 8, 2011
Currency Exchange Loss:
Jul 24, 2012