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Mrs. Kim S., 55, is a widow who sells hand bags in a busy market in Phnom Penh city and earns on average $10 a day.
She has 3 children, two are students and one helps her selling hand bags in the market.

This money she will use to purchase hand bags in bulk for a cost savings and also to meet the customer’s demand. She sell hand bags in Toul Tompong market, or the Russian market, where most of the foreigners visiting Cambodia spend their time looking for a good souvenirs.

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
  • 77
    View loans »
    Cambodia Loans Fundraising
  • $41,825,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Kim to purchase hand bags in bulk.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 5, 2008
Mar 20, 2008
Currency Exchange Loss:
Nov 15, 2009