CREDIT was established by World Relief US in 1993 to provide sustainable financial services to Cambodia's poor entrepreneurs. The institution has a triple bottom line embracing sustainability as well as enabling its clients to achieve socio-economic and spiritual transformation CREDIT became a licensed microfinance institution in May 2004. In just a few short years, it has grown to very fast in terms of loan outstanding and numbers of clients while keeping very high quality of loan. As of Dec 09, CREDIT is providing loans to about 40,000 families and loan outstanding over USD22.37 millions. To maximize the impact on poor clients, CREDIT is working with some development partners to provide other complementary services to clients such as debt management, savings, and budgeting. Some other primary health care trainings and awareness of HIV/AIDS have been trained to clients by our NGO partners. Current CREDIT partners are: Kiva, Sokhapheap Poum Yoeung and Hope projects of World Relief Cambodia, etc. The institution is continually improving in efficiency, outreach, products and services development, technologies and staff capacity building. This improvement is evidenced by successfully localized management and outstanding financial performance ratios. CREDIT has also received some international recognition and awards such 2 years in a row received Merit Award from CGAP on financial transparency. The last rating conducted by Planet Rating, the world leader in rating microfinance institutions, a step upward, B+, from the last rating. This shows great improvements achieved within the last 2 years. Social performance rating was also done this year so that we can improve more social work.