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Yem T., 43, and his wife have been growing morning glories to sell since 2001. He is married and lives with his five children in Phnom Penh City, Cambodia. He earns US $8 per day. The family is also supported by two of his children who currently work for a private company earning US $7 each per day to help cover the family's expenses.
T. and his children try to work hard every day to secure a good standard of living for the family. They are seeking to improve their businesses. Therefore, he is requesting a loan of US $700 from CREDIT, Kiva’s partner. He wants to use the loan to purchase seeds to grow more morning glories for his regular customers at the market. This is his first loan from CREDIT.

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
  • 108
    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 $700 helped Yem to buy morning glory seeds.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 23, 2009
Jan 4, 2010
Currency Exchange Loss:
Jan 16, 2011