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Nov S., 44, is a married mother of three children. She and her husband have established their own household in Phnom Penh, the capital of Cambodia. To generate a daily income, Nov S. receives small pieces of cloth from the garment industry and prepares them as sets for fees. She normally earns around $4 each day to contribute to her family’s living expenses. Her husband is shown near her in the picture above. He helps provide for the family by providing a taxi service. Recently, Nov S.’s husband has needed a trailer to connect to his existing motorcycle, which will allow him to pick up more customers than he previously could. Nov S. requested a loan of $600 to be used to buy a trailer.

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
  • 287
    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 $600 helped Nov to buy a motorcycle trailer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 9, 2009
Jan 1, 2010
Currency Exchange Loss:
Jan 19, 2011