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Sem M. is married and resides with her husband in Takeo province, Cambodia, an area known for pre-Angkorean temples. M. sells used clothes, earning an income of USD 2 per day. Her husband sells vegetables, earning an income of USD 2 per day. Each month, the family has to spend USD 50 on food and USD 60 on the other necessary expenses. M. is requesting a loan of USD 1200 to purchase a new sewing machine to start a new business as a tailor. In the future, she would like to use the additional income to repair her house. This will be her second loan from CREDIT, a long standing Kiva partner.

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
  • 229
    View loans »
    Cambodia Loans Fundraising
  • $39,843,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sem to buy a new sewing machine.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 22, 2011
Mar 25, 2011
Currency Exchange Loss:
Sep 15, 2012