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Chem K., 62, is the landlord of a small rental house in Phnom Penh. She earns $2/day and her husband earns $1.50/day working as a gardener. They have 5 children. Chem K. will use this loan to repair their house to protect it during the rainy season. In the future, she wants her children to finish University, and if successful, buy a larger home.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 103
    View loans »
    Cambodia Loans Fundraising
  • $35,502,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paid Back
A loan of $600 helped Chem to repair house to protect it from leaking in rainy season.
140% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 29, 2007
Apr 15, 2007
Currency Exchange Loss:
Mar 3, 2008