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Cheam S. is a 32-year-old widow who has operated a beauty salon for about 3 years. She is a wedding planner who arranges clothes for groom and bride. On average, she earns about US$ 2 in profit per day. Her business is lucrative in the period spanning November to April, the wedding season. She has one child who just began school. She would like to take out a loan of US$ 400 to purchase more cosmetics for her business.

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
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Cheam cosmetics for her beauty salon.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 27, 2009
Feb 19, 2009
Currency Exchange Loss:
Feb 15, 2010