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Mrs. Sem S. is 48 years old. She sells different types of desserts from her store at her home. She sells to people who are her nearby neighbors and usually generates about $3 each day. She was busy at her business activity when the photo taken so her husband is pictured instead.

Sem S. now has five children, two of whom are married and live separately and the others attend school. She also helps a life partner in her husband, working on the farm field.

Because Sem S.’s business has many clients who come to eat her dessert, she doesn’t have adequate space for her client seating. She is requesting a loan in order to improve her store and buy more furniture such as chairs, tables, and other accessories for her business.

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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Sem to buy more chairs, tables, and other accessories.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 24, 2010
Apr 7, 2010
Currency Exchange Loss:
May 15, 2011