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Khem S., 38, lives in Phnom Penh with her husband, Tith Yorn, and their three children. She and her husband work together purchasing vegetables from the growers and reselling them in the markets in their area. They typically make US$ 3 each day, and they are also supported through the income of their daughter who sells sugar cane juice.
The sugar cane juice business usually brings in US$ 5 each day in revenue.

The family is seeking to increase its income and improve its standard of living. Khem S. has asked for a loan of US$ 1200 to purchase more vegetables and invest in their business. She can increase her income through increasing her inventory and she believes that she has a good business plan that will help the family in the long-term.

Khem S. was unavailable for a photograph, so her daughter and her sugar cane juice business is pictured above.

Additional Information


KREDIT Ltd. 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
  • 204
    View loans »
    Cambodia Loans Fundraising
  • $39,967,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Khem purchase more vegetables and invest in their business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2008
Aug 25, 2008
Currency Exchange Loss:
Oct 15, 2009