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Sao's Group
In this Group: Sao, Heng
This small loan is being requested by two borrowers. Its leader, Mr. Sao P., 49, has a job driving a motorcycle taxi for a profit. He is married with four children: two are married and have ready started new family homes, while the others are employed as garment workers. His wife is a fresh fish seller. Sao P. will be using this loan to improve his wife’s investment by buying additional fish to sell. The other borrower is Mrs. Heng N., 29, who works in the garment industry, and is asking for a loan to buy a motorbike for riding to work.

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
  • 219
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Sao's Group's $350 loan helped a member to buy additional fish to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 11, 2009
Jul 1, 2009
Currency Exchange Loss:
Jan 15, 2010