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Sem P., 30, is married with three school-aged children. She resides in Siem Reap Province, Cambodia, with her husband and children. To make a living, she is employed at a Korean food restaurant in the town, earning an income of US $2 per day. The family is also assisted mainly by her husband, who is employed as a police officer and who looks after the safety of the people who visit Angkor Wat Temple. He is able to earn an income of US $7 per day to help cover the family expenses. P. and her family members are seeking to improve their standard of living and generate a better income. Therefore, P. is asking for a loan of US $600 to purchase a motorbike for her husband to commute to work. This loan will help her family to cut back on public transportation services. This is her second loan from CREDIT MFI, Kiva’s partner. P. is pictured with her husband and one of her children.

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
  • 170
    View loans »
    Cambodia Loans Fundraising
  • $41,456,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Sem buy a motorbike for her husband to commute to work.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 25, 2009
Dec 16, 2009
Currency Exchange Loss:
Oct 16, 2010