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Heang S., 38, is a widow who lives with her three children in the Kampong Cham province of Cambodia. She does professional handicrafts. Since 1995, she been earning a living using beads and other materials to make flowers on woman clothes; she typically makes US$8 each day. People wear traditional decorated Khmer dresses during the Water Festival, P’chum Ben or Khmer New Year. It takes around 7-10 days to complete each dress and its price is expensive, too. Most of the people prefer handmade rather than machine-made decoration. She learned how to decorate from her mother and she started doing that business also before her marriage. Heang S. would like a loan of US$1200 to purchase more silk for decoration.

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
  • 257
    View loans »
    Cambodia Loans Fundraising
  • $38,131,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Heang to purchase more silk for decoration.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 21, 2008
Dec 15, 2008
Currency Exchange Loss:
Jan 15, 2010