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Hem P., 27, is a humble villager who lives in Reusey Keo commune, in Phnom Penh city. She works as a teacher at the local public school and typically earns a salary of $120 a month to help provide her family’s food needs. She is a single woman and currently lives with her young sister, who works as a Civil Service officer for a ministry.

Hem P. has been planning to operate a café business for years, but she doesn’t have enough money to start it. That is why she is requesting a loan from Kiva through HKL. She will be use her loan to build a shop in front of her home where she will operate a café.

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
  • 253
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hem to build a café in front of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 18, 2009
Dec 1, 2009
Currency Exchange Loss:
Oct 16, 2010