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Saem is 43 years old. She is widowed and resides with her mother and two children in the Kandal Province of Cambodia. She has been involved in weaving Krama to sell for more than ten years, earning approximately $4 per day. One of her children is an arc welder who earns about $3 per day. In order to improve her business, Saem is requesting a loan of $1,000 to purchase more thread for weaving Krama to sell. This money will help her expand her business and earn more profits to support her family. In the future, she would like to use the profits to help her youngest child earn a bachelor’s degree.

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
  • 73
    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 $1,000 helped Saem to purchase more thread to weave Krama for sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2012
May 6, 2012
Currency Exchange Loss:
Feb 28, 2013