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Sen H., 52, is a widow with four children. She resides in Phnom Penh City, Cambodia, with her children. To make a living, she is engaged in a business of selling groceries at a local market. She is able to generate an income of US$5 per day as a primary source of income for her family. The family also is assisted by one of her children, who is currently employed as garment factory worker. She is able to earn an income of US$3 per day to help cover her mother’s household expenses.

The members of H.’s family are seeking to improve their standard of living and to expand their current business. Therefore, H. is asking for a loan of US$1,000 to purchase more groceries to stock her store for sale. By doing so, H. hopes that her business will be successful so that she is able to generate extra income for future household use.

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
  • 112
    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 Sen to buy more groceries to stock the store.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 27, 2009
Oct 25, 2009
Currency Exchange Loss:
Jun 15, 2010