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Nov S., 44, is married and resides with her husband and five children in the Kampong Cham Province, Cambodia, an area known for rubber plantations. S. sells groceries, earning an income of about $5 per day. Her husband is a motor-taxi driver, earning an income of $3 per day. The family has to spend $61 on food, $5 on electricity and water supplies, and $30 on other necessary expenses every month.

S. is requesting a loan of $500 to buy hair-dressing equipment to start another business. 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
  • 76
    View loans »
    Cambodia Loans Fundraising
  • $41,806,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Nov to buy hair-dressing equipment to start another business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2010
Nov 8, 2010
Currency Exchange Loss:
Sep 19, 2011