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Kem S., 54, is married and lives with her husband and eight children in Takeo Province, Cambodia, an area known for pre-Angkorean temples.

S. and her husband grow rice to sell, earning an income of about USD 2.50 each per day. Three of her children are employed at different workplaces, earning an income of about USD 3 each per day to help cover the family expenses. Every month the family has to spend USD 35 on food, USD 10 on electricity supply, and USD 15 on their children’s education.

S. is requesting a loan of USD 1,200 to purchase a motorbike for her children to use to commute to work. In the future, she would like to use any additional profit to repair her house. This is her first loan from CREDIT, a long-standing Kiva partner in Cambodia.

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
  • 74
    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 $1,200 helped Kem to buy a motorbike for her children to use to commute to work.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 17, 2010
Sep 25, 2010
Currency Exchange Loss:
Jan 15, 2012