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Nem N., 43, is married and lives with two of her three children in the Kampong Cham province. Working a farm together with her husband, Morm Vin typically makes US$1 each day. Besides farming her husband also works in construction. Her family is also supported by two of the children who work in the garment factory. 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, Nem N. included. In light of these economic difficulties, she is asking for a loan of US$400 to purchase palm leaves to sell, a purchase that she believes can bring an increase to her daily income. Poor people take the palm leaves to build the roof cages for their animals like pigs or cows.

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
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Nem nem would like to purchase palm leaves to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 3, 2008
Oct 19, 2008
Currency Exchange Loss:
Jun 15, 2010