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Pem S., 49, is married and resides with her husband and three children in Kampong Cham Province, Cambodia, an area known for rubber plantations. S. sells groceries and raises pigs at home, earning an income of about 5 USD per day. Her husband is a repairman, earning an income of 4 USD per day to help cover the family expenses. S. has to spend 50 USD on food, 23 USD on electricity and water supplies, and 50 USD on other necessary expenses every month. S. is requesting a loan of 1000 USD to purchase containers to stock pig food. 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. S. appears in the photograph with her husband.

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
  • 202
    View loans »
    Cambodia Loans Fundraising
  • $39,862,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Pem to buy containers to stock pig food.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 16, 2010
Oct 24, 2010
Currency Exchange Loss:
Oct 19, 2011