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. During the crisis, 2009 we still made positive growth both loan up by 17% and clients by 16% and as of Jun 2010, CREDIT is providing loans to 43,027 families and loan outstanding USD 25.96 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. Other trainings: primary health care, agricultural training, and awareness of HIV/AIDS have been trained to clients by our NGO partners. CREDIT partners include Kiva, Tear Fund New Zealand, Eriks, Tear Netherlands, IDE, Hagar 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.