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Sem P., 40, is married with four children (she is in the photo background). She resides in Siem Reap Province, Cambodia, with her husband and children. To make a living, she is engaged in a craft business of producing Cambodian traditional violins as souvenirs for the tourists who visit Angkor Wat Temple, earning an income of US $7 per day. Her husband helps her in the business (he is in the foreground), and he is also a security guard for a private company, earning an income of US $3 per day. Both sources of income from P. and her husband help cover the family expenses. P. and her family members are seeking to improve their standard of living and generate a better income. Therefore, Yav is asking for a loan of US $300 to purchase more raw materials to produce the violins. This is her first 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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Sem buy more raw materials to produce Cambodian violins for tourists.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 16, 2009
Dec 16, 2009
Currency Exchange Loss:
Jul 17, 2010