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Sarum, 44 years old, is a farmer. She is a single mother with four children. One of her children is studying and the other three are working in the factory with $2 income per day for each. Every month, she has to spend $30 on food, $3 on electricity, $10 on school fees, $5 on transportation, and $10 on other expenses. She would like to request a loan of $750 to buy a cow for plowing her field. She earns so little money from her career but she doesn’t know what the career she can do besides farming. Luckily, she gets support from her children who are working every month for her living.

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
  • 170
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Sarum to buy a cow to plow her field.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 15, 2011
Aug 7, 2011
Currency Exchange Loss:
Sep 15, 2012