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Khem M., 44, is married and has three school-aged children. She lives in a village approximately thirty kilometers from Phnom Penh.

M. has ben involved in the agriculture sector as a rice-field farmer and pig-raiser since she was rescued from the genocide regime in 1979. Her husband is a farmer as well, and they both typically make an income of US$4 per day.

Because her primary income is generated from agriculture, she has requested a loan of US$1,000 to purchase fertilizer and gasoline to enable her farmland to achieve its maximum output. By doing this, she hopes that her family’s standard of living will be gradually changed and improved.

M.'s husband is shown in the photo with pigs they have raised.

Additional Information


KREDIT Microfinance Institution Plc., 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
  • 90
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Khem to buy fertilizer and gasoline for her farming business.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 30, 2009
Jul 6, 2009
Currency Exchange Loss:
Oct 16, 2009