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Mr. Soeng T. is a humble villager residing in the province of Kompong Tom in Cambodia. He has a life partner in his wife who appears in the photo. She raises pigs and rice crops and sells them to buyers when they come to maturity. The couple has three kids, two of whom are no longer in school and are working, and the other one is going to school.

To pursue a daily income, Soeng T. travels to buy chop-wood (firewood) from the forest people and returns with it to retail at his home. He faces an obstacle: he has always hired a neighbor’s buffalo at a high price in order to transport his chop-wood from the forest. He wants to cut down this hiring fee by requesting a loan to purchase a couple of water buffalo that he will use to pick up his chop-wood.

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
  • 45
    View loans »
    Cambodia Loans Fundraising
  • $38,758,075
    Funds lent in using Kiva
  • 4,260.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Soeng to purchase a couple of water buffalo that he will use to pick up chop-wood.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 7, 2010
Jul 6, 2010
Currency Exchange Loss:
Oct 15, 2011