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Sin, 52 years old, is an ice cream seller who, with her husband, earns about $8 per day. They have four children. Two are studying and the other two are working in the factory, each earning $4 per day. Every month, Sin has to spend $100 on food, $10 on electricity, $15 on school fees, $10 on transportation, and $20 on other expenses.

She would like to request a loan of $800 to buy steel and cement for repairing her house, and the rest of the money she will spend for her business of selling ice cream. The couple started doing this business a long time ago, and she plans to extend her career to sell more ice cream and open a small shop so that they don’t have to sell it from the motorbike.

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
  • 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 $800 helped Sin to buy steel and cement for repairing her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 16, 2011
Oct 15, 2011
Currency Exchange Loss:
Jun 20, 2012