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Mrs. Saom N. is 37 years old and is the mother of three children, aged 18, 15, 13, who are enrolled in school. She and her husband work as rice farmers and typically make about $3 to $4 per day from selling her crops in the market.

Mrs. Saom N. and her husband would like to purchase cows to assist with plowing. During a plowing period, this couple has to hire oxen from a neighbor by exchanging rice or paying money, so to reduce this expense, Mrs. Saom N. would like to request a loan from KIVA to purchase cows of her own to accelerate her plowing work.

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
  • 49
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Soam to purchase cows to help plow her rice fields.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 10, 2008
Sep 25, 2008
Currency Exchange Loss:
Nov 15, 2009