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Em S., 45, is married and resides with her family in Kampong Chnang province, Cambodia, an area known for palm products. Sas is a housewife while her husband is a farmer, earning an income of about $8 per day. Her four children are employed at different workplaces to earn money to help the family, earning an income of around $3 each per day. Each month, the family has to spend $120 on food and $60 on the other necessary expenses.

S. is requesting a loan of $1,200 to purchase a mechanical plow to help plow the rice field. In the future, she would like to use the additional income to repair her house. This will be her 6th loan from CREDIT, a long standing Kiva partner.

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
  • 54
    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 Em to buy a mechanical plow to plow the rice fields.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 11, 2011
Jan 24, 2011
Currency Exchange Loss:
Jun 20, 2012