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Sina is 43 years old and is a housewife. Her husband is a musician who earns 3 USD per day. The couple has four children: one is studying, and the other three are working in a factory each earning 3 USD daily. Each month, Sina has to spend 47 USD on food, 10 USD on electricity, 10 USD on school fees, and 10 USD on other expenses.

Sina is requesting a 500 USD loan to buy materials to repair her house. She hopes to send her last child to study at the university so that he will have a good job in the future.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 51
    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 Sina to buy materials to repair her house.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 29, 2011
Sep 22, 2011
Currency Exchange Loss:
Mar 15, 2012