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Tom S., 32, is married and lives in the Prey Veng province with her three children. She works in a grocery store, making around US$5 each day. Her husband, pictured here, typically makes US$7 every day as a trailer driver.

Inflation has driven up prices all across Cambodia and many Cambodians have faced economic struggles. Tom S. has approached CREDIT for a loan of US$1,200 to diversify her grocery items. She feels that this investment can increase her income and raise her standard of living.

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
  • 57
    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 $1,200 helped Tom to diversify her grocery items.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Feb 26, 2009
Mar 6, 2009
Currency Exchange Loss:
Sep 16, 2010