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Chhem C., 26, is married and lives with her husband and two young children in the Kampong Cham province. She works as a rice farmer and also sells the rice in the market, making about $2 each day. Her husband is a construction worker who makes around $3 each day. The weather conditions have not been favorable for farming in Cambodia this past year and inflation has caused food prices, especially rice, to skyrocket. These factors have played into a difficult economic year for many Cambodians, Chhem C. included. In light of the struggling economy, she is asking for a loan in the amount of $550 to purchase a cow to plow their farmland. She sees an opportunity to increase her income and believes that plowing the land will be a valuable investment.

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
  • 48
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Chhem purchase a cow to plow.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 7, 2008
Jun 23, 2008
Currency Exchange Loss:
Feb 15, 2010