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Sum M. is a 42-year-old married father. His wife is a tailor, and they have two children who are still living with them.

Sum owns a medium-sized shop next to a local market where he provides a clock repair service, the earnings from which are the family’s main income. He also buys used clocks at reasonable prices from people in the village, repairs them, and then sells them to gain a profit. He started his service in early 2000, and he earns 5 USD per day.

Sum M. will use his loan to buy spare clock parts for his service and used clocks to repair, which he will then resell at a profit.

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
  • 47
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • 4,045.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Sum to buy spare clock parts and used clocks to repair.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 30, 2010
Dec 1, 2010
Currency Exchange Loss:
Mar 15, 2011