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Nhem
Nhem S. is 44 years old and lives in Phnom Penh, Cambodia. She earns a daily income of $8 selling fresh fish and pork in the city’s garment district. She started her business in early 2000. She is a good mother who cares for four children, two of whom are employed as a security guard and a garment worker.


To help support the family, S.'s husband (also pictured) drives a motorbike taxi. The family has faced difficult living conditions for a long time because their house is old and frequently needs repairs. S. is requesting a loan of $800. She will use half of the money to repair her house and the rest to expand her business.

Additional Information

About HKL

Hattha Kaksekar Limited is one of the largest and most successful microfinance institutions (MFIs) in Cambodia. The organization provides microfinance services to the poor, particularly women, in urban and rural areas. Kiva lenders’ funds will be used to expand the outreach of HKL’s financial services to a greater number of clients in rural areas of Cambodia.

About Cambodia

  • $2,600
    Average annual income
  • 107
    View loans »
    Cambodia Loans Fundraising
  • $36,192,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD