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Om S., 28, is married and lives in Phnom Penh with her two young children. She sells construction tools in the market, while her husband runs a small store in the market selling groceries, making about US$5 every day. It seems to be hard for every vendor and farmer because the inflation this year is out of control and the weather is unbelievable. Om S. has approached CREDIT for a loan to add to her construction tool inventory. She believes that this will be a sustainable investment which will raise her standard of living.

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
  • 273
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Om to add to her construction tool inventory.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 29, 2008
Oct 15, 2008
Currency Exchange Loss:
May 15, 2010