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Mrs. Heng K., aged 36, is a market vendor selling rice and beans, earning about $4 per day in revenue. Her husband works milling rice crops, earning about $2.50 per day. They have three children, two who are in school and one who is not yet of school-going age.

She would like to request a loan of $1,200 to increase her inventory of rice and beans to meet customer demand. She will reduce her costs by purchasing the inventory in bulk, thereby increasing her profit margins and raising her family’s income level.

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
  • 88
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 3,992.2
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Heng to purchase additional rice and beans to sell in the market.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 13, 2007
Oct 29, 2007
Currency Exchange Loss:
Dec 15, 2009