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Kem N. is a 50-year-old married man, who resides with his wife and three children in Kampong Chnang Province, Cambodia, an area known for palm products. N. and his wife are farmers. Their three children are employed at factories, where they earn an income of approximately $4 per day to help cover the family's living expenses.

Kem explains that he has to spend $50 on food and $16 on other necessary living expenses every month. Kem is now requesting a loan in the amount of $500 to purchase a cow to raise for its offspring. In the future, he would like to use any additional profits generated as a result of the requested loan to repair his family's house.

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
  • 53
    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 $500 helped Kem to improve his standard of living by purchasing a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 5, 2010
Oct 24, 2010
Currency Exchange Loss:
Nov 21, 2011