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Um S. is a 49 year-old man who lives in the province of Kompong Tom. Um S. sells beds in and around his community. His product is made mostly from wood. Usually, he can earn a daily income of about $5.60 per day. His wife is a local rice farmer who makes a profit of approximately $1.60 each day. The couple has five children: Three are single and the other two are married.

Um S.'s income is low because his motorcycle is too small to carry beds. That is why Um S. has decided to ask for a loan of $1200 to buy a trailer to connect to his motorcycle so that he can use it to transport more beds than before.

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 $1,200 helped Um to buy a trailer for his motorcycle to increase the number of beds he can transport.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Jan 26, 2011
Mar 1, 2011
Currency Exchange Loss:
Jul 15, 2012