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Mrs. Cheng S., age 41, is a farmer. Her husband works as a driver. They have three children, and her mother also lives with them. Two of her children are students, and one is employed at a garment factory earning about $1.60 per day. She would like to request a loan of $500 in order to purchase a horse and cart for her husband to operate as a business. He can move produce to markets and transport people between villages, increasing their income by $2.50 per day. This will improve quality of life for the family and help finance their children’s education.

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
  • 59
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Cheng to purchase a horse and cart for her husband to operate as a driver.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2007
Oct 15, 2007
Currency Exchange Loss:
Oct 30, 2008