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Chhem R., age 35, is married and has three school-aged children. She lives with her husband (pictured) in Siem Reap province. Her husband’s business is the primary source of income for her family. He is a skillful fisherman who always works hard everyday at the nearby fishing spots, typically earning US$7 per day.

The financial crisis has been difficult for business in Cambodia this past year. This factor has played into a difficult economic year for much of the country, R. included. The country's economic struggles always seem to affect the poor the most. In light of the country's economic difficulties, R. is seeking to increase her income and improve her husband’s business. She is asking for a loan of US$1000 to purchase a new motorbike and a boat machine. By doing so, she will be able to transport fish from her husband to sell at the nearby local markets. Also, she believes that the boat machine will be so useful for her husband to go fishing faster and easier and catch more fish to generate more income to raise a good standard of living for her family.

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
  • 212
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Chhem to purchase a motorbike and a boat machine.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 30, 2009
Aug 7, 2009
Currency Exchange Loss:
Jan 15, 2010