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Sin S., 43, is married and lives with four of her children in Phnom Penh, Cambodia. She is a garment factory worker who typically makes about US$2.50 each day and is further supported by three of her children who also work in the garment factory. Her husband, Chhen Oeun, is a rice farmer and he makes around US$2 each day. The weather conditions have been difficult for farming in Cambodia this past year and inflation has also been out of control. These factors have played into a difficult economic year for many Cambodians, Sin S. included. In light of these economic difficulties, she is asking for a loan of US$1,000 to purchase fertilizer and land for her husband to grow more rice. She is confident that this loan will allow her to increase her daily income and to better support her family. (Sin S. was not available so one of her daughters is pictured instead.)

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
  • 45
    View loans »
    Cambodia Loans Fundraising
  • $38,700,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sin to purchase fertilizer and land to grow more rice.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 26, 2008
Oct 12, 2008
Currency Exchange Loss:
May 15, 2010