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Hem S. is 47 years old and lives in Battambang province, Cambodia. He is a security guard at a casino and earns US$ 4 a day, while his wife, Keo Sireiya, 26, pictured here, is a wedding planner, earning about US$ 3 per day. This couple is asking for a US$ 1000 loan to open a beauty shop and purchase more clothes and cosmetics to rent out during wedding ceremonies.

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
  • 211
    View loans »
    Cambodia Loans Fundraising
  • $40,009,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hem to open a beauty shop for brides.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 23, 2009
Feb 6, 2009
Currency Exchange Loss:
Dec 15, 2009