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Koy's Group
In this Group: Koy, Hang, Nov
This is a small loan that is made up by three people, all residents of Phnom Penh City. Mrs. Koy H. has been selected to be leader by members. Koy H.'s age is 49 and she is widowed with five children; most of her daughters are employed as garment workers for an industry. Her son, Mr. Run, 24, works as a local construction worker.

Presently, Koy H. sells breakfast foods (porridge). She buys the ingredients from the village market, then she cooks them from her home, and finally she starts selling her foods in the morning for her neighbors. Koy H. will use the loan money to purchase more necessary ingredients for cooking food.

The other two borrowers are:

Mrs. P., 35 years old, is a widowed garment factory worker and she requests a loan to pay for her child's school fee.

Mr. B. is a widower man driving a trailer-motor taxi and he is applying for a loan to repair his motor taxi.

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
  • 53
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Koy's Group's $900 loan helped a member to purchase more necessary ingredients for cooking food.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 11, 2009
May 19, 2009
Currency Exchange Loss:
Feb 15, 2010