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Tem Y., 45, is married with six children. She resides in Siem Reap Province, Cambodia, with her husband and children. To make a living, she is engaged in a business of selling various kinds of groceries at her home in the village, earning an income of US $1.50 per day. Her husband is a deputy village chief with a monthly US $20 wage. The family is also assisted mainly by two of her children who are employed as construction builders. They are able to contribute to the family US $7 per day to help cover the family expenses. Y. and her family members are seeking to improve their standard of living and generate a better income. Therefore, Y. is asking for a loan of US $800 to purchase pineapple seedlings for growing. With the remainder, she plans to expand her grocery business. This is her second loan from CREDIT MFI, Kiva’s partner. Y. is pictured while she is sitting in the hummock.

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
  • 110
    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 $800 helped Tem buy pineapple seedlings and groceries to expand the business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 19, 2009
Dec 16, 2009
Currency Exchange Loss:
Oct 16, 2010