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Im E., 33, is married and lives with her husband and three children in Kampong Cham, Cambodia. She has a plot of land where she grows rice to earn a living. She makes less than one dollar per day. Actually, her farm is just to support the family. There are many reasons that make her output consistently low. First, her rice field is totally dependent on rain for watering and she sometime does not have enough money to purchase fertilizer to put on her farm. Second, sometimes the crop is damaged by bad weather conditions.

Her husband is a palm climber who collects palm juice and refines it into sugar. Sugar palm smells good and tastes better than commercial sugar. Her husband has collected palm juice since 1997 and on average he makes US$4 each day. Im E. is asking for a loan of US$600 to purchase more tools for her husband to refine palm juice more easily. (The photo shows her husband next to the stove that he uses to refine palm juice to sugar.)

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
  • 142
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Im to purchase tools to refine palm juice.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 8, 2008
Sep 24, 2008
Currency Exchange Loss:
May 15, 2010