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Sem T. is 42 years old and resides with her husband in the Takeo province. She makes and sells Khmer cake at the local market and is able to make a living of US$12 in revenue each day. Her husband stays at home helps his wife make cake. This couple has five children, four of who are students and one who is a motorbike mechanic. Sem T. is asking for a loan of US$800 to purchase rice and other ingredients so that she can make more cake to sell.

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
  • 114
    View loans »
    Cambodia Loans Fundraising
  • $41,424,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Sem to purchase rice and other ingredients.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 25, 2009
Dec 14, 2009
Currency Exchange Loss:
Feb 15, 2011