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Morng S., age 31, owns a small kiosk where she sells meat, shampoo, soft drinks and food in her village in Phnom Penh, Cambodia. She typically makes around 5 USD in profit each day to ensure that her family has a comfortable life. She has a life partner in her husband who is a car taxi driver at the local factory. He has an income about 5 USD each day and shares responsibility with Morng S. to support the whole family. She now has two school-aged kids, both of whom attend school. She will use her first loan to buy a tractor for her husband to dig land. This loan is going to improve the whole family with additional assets, and earning more 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
  • 300
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Morng to buy a tractor.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 31, 2011
Mar 1, 2011
Currency Exchange Loss:
Apr 17, 2011