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Sarm S., age 45, is married and has a school-aged child. He lives with his wife and his child in Phnom Penh City. To make a living, he operates his own business as a taxi driver, and he also drives his car for a private company, earning approximately US $15 per day. This amount of income is the primary source of income of the family. His wife is midwife at her home, earning US $2 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, S. included. The country's economic struggles always seem to affect the poor the most. In light of the country's economic difficulties, S. is seeking to increase his income. He is asking for a loan of US $500 to have his car repaired. By doing so, he hopes he will be able to attract more customers to consume his transportation services and generate more income to raise a good standard of living for his family.

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
  • 175
    View loans »
    Cambodia Loans Fundraising
  • $41,452,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Sarm repair the carf.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 19, 2009
Aug 24, 2009
Currency Exchange Loss:
Nov 15, 2010