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Sinoeurn, thirty-six, is married, and resides with her husband and two children in Kampong Chhnang Province, Cambodia. She has been growing vegetables and flowers to sell for over ten years and is successful in her career. She earns approximately USD 2.7 per day. Her husband is a construction worker and earns approximately USD 3 per day. Her two children are employed; one is a garment worker and another one is a automobile mechanic. Due to the lack of funds for building her house, Sinoeurn is asking for a loan of USD 1,200 to purchase construction materials to construct the house. In the future, she would like to expand her business by growing more vegetables to generate more income for the family.

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 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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,709,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sinoeurn to purchase construction materials to build her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 17, 2012
Feb 3, 2012
Currency Exchange Loss:
Apr 17, 2013