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El S., 53, is a widow who lives with four children in the outskirts of Phnom Penh, Cambodia. Since 1993, she has been growing rice, corn, and beans to earn a living and is able to make around US$3 each day. She also gets support from three of her children who are garment factory workers.

Mrs. El S. says that every month she needs to spend around US$30 on food, US$5 on utilities, US$10 on her child's education, and US$5 on occasional transportation. She is asking for a loan of US$400 to purchase crops seeds for the next season.

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
  • 65
    View loans »
    Cambodia Loans Fundraising
  • $41,756,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped El to purchase seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 26, 2008
Oct 12, 2008
Currency Exchange Loss:
Nov 15, 2009