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Tern, 61, is widowed and resides with two children in Kampong Chhnang Province, Cambodia. She has been sewing palm leaf thatches for over ten years, earning approximately USD 2 per day. Her son is a construction worker who earns about USD 4 per day.

Due to difficulties in the family’s transportation, Tern is requesting a loan of USD 800 to purchase a motorbike for commuting. This will enable her to use the money saved on her transportation expenses to support her family. In the future, Tern would like to establish a grocery store at home to generate more income to support 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 Cambodia

  • $2,600
    Average annual income
  • 224
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Tern to purchase a motorbike for commuting.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 22, 2012
Mar 24, 2012
Currency Exchange Loss:
Jul 24, 2012