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Sem S., 53, is a widowed rice farmer who lives in the Kampong Cham province with two of her children. She typically makes US$2 each day and is supported economically by some of her children. Her children are the biggest source of her income and she wants to take out a loan to aid them with their expenses. With a loan of US$700 from CREDIT, Sem S. wants to purchase blacksmith materials for her children.

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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Sem to purchase blacksmith materials.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 5, 2009
Mar 4, 2009
Currency Exchange Loss:
Sep 16, 2010