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Nem N., 23, is married and resides in Phnom Penh with her husband. She is currently employed in a local garment factory and earns an income of US $3.00 per day. Their family is supported mainly by her husband who is a construction foreman in the city. He earns US $5 per day, which is the primary source of income for the family and helps to pay for their household expenses.

N. and her family members are seeking to improve their standard of living. Therefore, N. is asking for a loan of US $1000 to purchase more cement so her husband can finish building his customer’s house.

N.'s husband appears in the accompanying photograph.

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
  • 143
    View loans »
    Cambodia Loans Fundraising
  • $41,481,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Nem to buy cement to finish a construction job.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 30, 2009
Nov 15, 2009
Currency Exchange Loss:
Apr 17, 2011