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Phap S. is a sewing worker at a garment factory in Phnom Penh City. She has had experience in this sector for over one year, and has a formal salary every month.

She has a life partner in her husband, who is a driver in the factory. The couple makes an average profit for their work of $8 US a day for use for the whole family.

Presently, her husband is concerned because he wishes to buy a motorcycle (Tuk Tuk) for starting a motor taxi service besides his currently work for additional income. To motivate her husband, Phap S. has decided to request funds from Kiva.

Phap S. has two young children who are enrolled in public school.

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
  • 273
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Phap to buy a motorcycle (Tuk Tuk) for starting a motor taxi service for her husband.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 14, 2011
Feb 12, 2011
Currency Exchange Loss:
Dec 17, 2011