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Seng S. N. is 26 years old living in Kampong Cham province. She and her husband have complimentary businesses revolving around sugar palms. Sugar palms are a unique breed of palm tree specific to Cambodia. Her husband, Yon Nal, is a professional palm tree climber of sorts. He collects the raw palm juice from the top of each tree and gives it to his wife who sells the juice and also distills it into palm wine. Their combined revenue amounts to 5 US$ per day. As they already live out in the rural country side, and currently do not have any children, Seng S. N. would like to invest in a second business as a yam farmer. She would use this loan to start up this business and buy land.

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
  • 139
    View loans »
    Cambodia Loans Fundraising
  • $41,456,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Seng to rent farmland.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 19, 2008
May 5, 2008
Currency Exchange Loss:
Dec 15, 2009