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Sa Em
Sa em (in the photo) and her husband, Khoeun, live in a village along National Road Number four, about 20 kilometers from Phnom Penh City. They have three sons and one daughter-two are in school and other two are still young.

Sa em is a garment worker, while her husband is a construction worker. She is asking for another loan of $1,200 to fill-up the land around her house. Because the house where she lives is low than her neighboring houses, so when raining season come the water flooded which is difficult for family members to stay.

Additional Information


MAXIMA Microfinance Plc is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 54
    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 $1,200 helped Sa Em to fill up the land around her house with more soil.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jul 13, 2011
Jul 17, 2011
Currency Exchange Loss:
Dec 15, 2011