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Chamruen is 31 years old. She is married and resides with a four-year-old child in Kampong Speu province, Cambodia. She has been working in garment factory for more than two years, earning approximately $3 per day. Her husband is employed in a rice mill; he makes an income of $6 daily.

To improve her family’s finance, Chamruen is requesting a loan of $1,000 to purchase cattle to breed then resell when they gain weight. This purchase will help her earn more income for the family.

In the future, she would like to stop working at the factory, run her own tailoring shop at home, and send her child to a good school.

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
  • 43
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Chamruen to purchase cattle to breed then resell when they gain weight.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 24, 2013
Currency Exchange Loss:
Nov 17, 2014