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Em S., who is twenty-six years old, owns and operates a shop out of her home where she sells a variety of items. She sells cooking ingredients, soft drinks, and some beauty supplies to neighbors who live near her house. She usually generates an income of $5 a day, which helps with her family’s needs, especially feeding her three teenage children who are in school. Her husband stays at home to help conduct her business operations. Em is handling her investment very well. Recently, some of her inventory was exhausted, so she needs to restock. She is requesting a loan from HKL, one of Kiva's field partners, to purchase soft drinks, sweets for kids, and beauty supplies.

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
  • 55
    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 loan of $500 helped Em to restock soft drinks, sweets for kids, and beauty supplies.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 20, 2009
Aug 1, 2009
Currency Exchange Loss:
Jun 24, 2010