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Heng S., age 23, is married and resides with her husband and six-year-old child in Takeo Province, Cambodia, an area known for pre-Angkorean temples. She is a farmer who grows rice. She earns an income of about USD $3.00 per day. Her husband is often hired to pick fruit and is also a farmer. He earns an income of USD $5.00 per day to help cover the family expenses.

S. is requesting a loan of USD $1000 to purchase a new sewing machine to start a home tailoring business. In the future, she would like to use any additional profits to repair her house. This is her first loan from CREDIT, a long-standing Kiva partner in Cambodia.

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
  • 208
    View loans »
    Cambodia Loans Fundraising
  • $40,009,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Heng to buy a sewing machine to start a home tailoring business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 23, 2010
Apr 22, 2010
Currency Exchange Loss:
Jul 15, 2011