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Tem N., age 46, is widowed and resides with her children in Takeo Province, Cambodia. She has three children.

N. raises pigs at home, earning an income of approximately US$2 per day. By doing so, she is able to cover her family expenses, especially the children’s education. She has been with this business since 1979.

N.’s sister (pictured here) sells food in her village, earning an income of US$3 per day. Her standard of living has been improved since she has operated her business, so N. wants to obtain a loan to expand it. She is requesting a loan of US$1,000 to expand her sister’s business. This is her second loan from CREDIT, Kiva’s partner.

Additional Information


KREDIT Ltd. 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
  • 144
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Tem to expand her sister's food-selling business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 15, 2010
Feb 27, 2010
Currency Exchange Loss:
May 16, 2011