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Horn S., 42, is married and lives with her three school-aged children and husband in Takeo Province, Cambodia. She used to sell groceries in her village but business was not good. As a result, she started a new business selling fruit in the city. She has been involved in this business since 2008 and is able to earn US $5 per day. Her husband (in the photo) drives a motorbike in the city earning US $4 per day. Her husband helps with her business every morning, preparing to sell to their regular customers, then he travels around the city offering his transportation services.

S. and her family members are seeking to improve their standard of living. As a result, she is requesting a loan of US $500 from CREDIT, Kiva’s partner. This is her first loan from CREDIT. She wants to use the loan to purchase a new motorbike for her husband because the old motorbike often goes broken.

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
  • 75
    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 $500 helped Horn to buy a new motorbike.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 18, 2009
Jan 1, 2010
Currency Exchange Loss:
Dec 16, 2010