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Mrs. Ngem R., 66, is a widow with two children and works growing vegetables on her plot of land. She earns around $1.50 a day. One child is a farmer and the other one is a student. After classes, her daughter also helps her look after the plants. She would like to request a loan from Kiva to purchase a water pump to water the crops in the dry season when there is little water available. (Mrs. Ngem R. is pictured with her daughter)

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
  • $38,720,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Ngem this loan will be used to purchase a water pump.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 31, 2008
Mar 17, 2008
Currency Exchange Loss:
Apr 16, 2009