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Mrs. Hem S., 49, is married with five children and she stays at home cooking food for her family members. To supplement her standard of living she owns a plot of land growing a variety of vegetables and she makes on average $2 a day. To contribute to their living standard, her husband Mr. Sor Cheuon, 54, works as a teacher at high school in Prey Veng province making on average $3.33 a day. Two of their children work at a nearby factory at a salary of $80 each a month. Another three children are studying in Phnom Penh City. This couple hopes to use this loan to send their school-aged child to a university as they want their children to have better jobs in the future.

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
  • 44
    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 $800 helped Hem hem hopes to use this loan to send her school-aged child to a university as she and her husband want their children to have better jobs in the future.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 2, 2008
Feb 17, 2008
Currency Exchange Loss:
Oct 15, 2009