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Heang L. is a housewife living in Kampong Cham. She cares for a household of five including her husband, their two children, and her elderly father. Her husband, Thai Deng, buys recyclable items from people at their home and then sells these to local factories that will put them to use. He has developed this low income business surprisingly well to the point where he can make 5 US$ per day depending on how many items he is able to secure. Their children are all too young to attend school.

She wants to take out a loan specifically to help her husband increase his business by buying a greater quantity of recyclable items. They can stockpile these to sell to support their family in months when his business has not been as profitable as it usually is.

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
  • 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 $500 helped Heang to buy recyclable items in bulk.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 16, 2008
May 2, 2008
Currency Exchange Loss:
Jun 15, 2009