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Sum L., 29, is single and lives with her mother and her three younger sisters and brothers in Prey Chhor district, Kampong Cham province, Cambodia.

She works with her mother on her paddy growing seasonal rice and vegetables, but the money they make is barely enough to support their household. Meanwhile, her little brother and sister are employed making incense with one of her neighbors, earning US$ 4/day each. Incense-making is a profitable business in her town and it’s simply to work on to generate profit.

Having a very close relationship with her neighbor, Sum L. would like to invest with him in the business by purchasing more items to increase their production. Meeting the financial constraints, Sum L. would like to request a loan from KIVA to put toward her investment.

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
  • 278
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sum to use for her investment in a neighbor's business.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Dec 23, 2008
Jan 9, 2009
Currency Exchange Loss:
Mar 15, 2010