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Sim S. is 51 years old and is seeking a loan so that he can repair his home before the rainy season. S. works in construction and earns $7/day, while his wife (pictured here) earns $1/day as a tailor. One of their children also works and contributes to the house's costs. When the rainy season hits, S. is worried that his house will leak, and it will ruin many of their possessions. With this loan, he and his family will be able to fix their house so they are ready for the rainy 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 80
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Sim to repair home in order to prevent leaking during the rainy season.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 9, 2007
Apr 24, 2007
Currency Exchange Loss:
Jan 2, 2008