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Sa Aem
Sa Aem is 61 years old from Kampong Cham province, Cambodia. She is widowed and blessed with three children. She is a homemaker. Her children are employed. They are construction workers and a cosmetics seller. They earn about $18 per day. In order to improve her family’s finances, Sa Aem is requesting a loan of $1000 to purchase more cosmetics for her child to resell. By doing so, she will earn more profit to support her family. In the future, she would like to expand her business and build a new house as soon as possible.

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
  • 113
    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 $1,000 helped Sa Aem to purchase more cosmetics for her child to resell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 21, 2012
Jul 1, 2012
Currency Exchange Loss:
Feb 28, 2013