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Sem's Group
In this Group: Sem, Long
This small loan group is formed by two borrowers and Mr. Sem V., aged 30, is the group leader. V. owns a motorbike and uses it to pick up passengers for income. His wife's name is Phally, 29, who sells a few groceries out of their home. The modest couple has two children who are going to the local public school.

Recently, the grocery store ran out of stock. Because the business is profitable, and to earn more income, Mr. V. and his wife have decided to ask for a loan to increase the stock of groceries for sale.

The other borrower is Mrs. S., 39, who sells breakfast foods in the market, and who is looking for a loan to purchase a used motor for her family's requirements.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Cambodia

  • $2,600
    Average annual income
  • 273
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Sem's Group's $600 loan helped a member to increase the stock of grocery items for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 10, 2009
Apr 27, 2009
Currency Exchange Loss:
Nov 15, 2009