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Sem S., 39, is a widow and resides with two of her children in Siem Reap province. Since 2006, she has been selling grocery products to earn a living and is able to make around US$3 a day. Her two children are students. Mrs. S. would like to take out a loan of US $1000 to purchase groceries in bulk in order to receive a volume discount and also to meet her client’s demand.

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
  • 76
    View loans »
    Cambodia Loans Fundraising
  • $41,821,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sem to purchase groceries in bulk for resale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 15, 2009
Jan 21, 2009
Currency Exchange Loss:
Oct 20, 2009