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Chhem R., 33, is married and lives with her husband and two children in Phnom Penh. She works as a rice farmer and sells the rice in the market, making about US $3.00 each day. Her husband is a motor-taxi driver who makes around US $2.50 each day.

The weather conditions have not been favorable for farming in Cambodia this past year and inflation has caused food prices, especially rice, to skyrocket. These factors have played into a difficult economic year for many Cambodians, Chhem R. included. In light of the struggling economy, she sees an opportunity to increase her income and is asking for a loan in the amount of US $1200 to purchase good rice seed, insecticide, and fertilizer for her farmland.

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
  • 201
    View loans »
    Cambodia Loans Fundraising
  • $39,862,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Chhem to purchase good rice seed, insecticide, and fertilizer for her farmland.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2008
Oct 11, 2008
Currency Exchange Loss:
May 15, 2010