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Sarem, 58 years old, is a food seller who earns $5 per day. Her husband runs a battery recharging business and earns $6 per day. They have two children, both of them working and earning $7 per day for both. Every month, she has to spend $50 on food, $10 on electricity, and $10 on transportation. She would like to request a loan of $1,000 to pay the administration fee for her son to work in Thailand. Her husband plans to extend his business to be more modern than before. She plans to support her two children to study in Korea so that they can go to work there because they can make a better salary than in Cambodia and Thailand.

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 Sarem to pay the administration fee for her son to work in Thailand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 14, 2011
Oct 18, 2011
Currency Exchange Loss:
Jul 24, 2012