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Tep M., 51, is married and lives with her husband in Phnom Penh. She owns a plot of land where she grows rice, eventually making around $3 each day. Her husband, Pum Serei, 46, earns on average about $4, from carpentry. This couple has three children, two of whom are students.

Now, Tep would like a loan from Kiva to purchase rice seed and fertilizers. The leftover will be used to buy carpentry tools. (Mrs. Tep is pictured with her husband at home.)

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
  • 78
    View loans »
    Cambodia Loans Fundraising
  • $41,793,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Tep to purchase rice seed, fertilizers, and carpentry tools.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 25, 2008
Jun 26, 2008
Currency Exchange Loss:
Feb 15, 2010