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Sern, 60 years old, is a village leader and a farmer earning $1 per day. His wife stays home. They have two children who both work earning $9 per day in total. Every month he has to spend $25 on food, $5 on electricity, $5 on transportation and $10 on other expenses. He would like to request a loan of $1200 to buy a motorbike for his children to travel to work. Most of the family expenses are paid for by his children. He wants his daughter to sell groceries at home so that she does not need to travel far from home to work.

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
  • 41
    View loans »
    Cambodia Loans Fundraising
  • $38,736,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sern to buy a motorbike for his children to travel to work.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 4, 2011
Oct 23, 2011
Currency Exchange Loss:
Dec 15, 2012