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Sim S., 30, works in the local garment factory, while her husband, Nov Dout, works out of their home as a mechanic. They live in Phnom Penh and support their two children who are in the local school. Working at a garment factory, Sim S. makes US$3 each day, while her husband makes US$3.50 every day in his mechanic shop.

Sim S. has asked for a loan of US$1000 to make two investments. First, she would like to purchase some tools and materials for her husband to start an ice cream business. He already knows how to make ice cream and could earn extra income by selling ice cream after work. With any leftover money, the family would like to repair their home. There are some areas of their home that are in definite need of repair and the family lacks the capital necessary to complete some of these projects.

Sim S. was unavailable for a photograph at the time of the interview, so her husband, Nov Dout, 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
  • 207
    View loans »
    Cambodia Loans Fundraising
  • $39,858,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sim purchase ice cream-making materials; Repair home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 13, 2008
Aug 25, 2008
Currency Exchange Loss:
Apr 15, 2010