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Pov S., age 25, is a sewing worker in the garment industry. She has been working in this sector for over one year and has a formal salary.

Her husband earns a living as a cow trader. He buys oxen in rural areas from farmers and re-sells them. He occasionally supplements his income as a motor broker. Though the couple has been married for a few years, they have no children as yet.

Pov S. is aware that her husband’s business is becoming increasingly profitable and she hopes to sustain it through a Kiva loan by accumulating a larger quantity of cows for future sale.

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
  • 268
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Pov to accumulate a larger quantity of cows to offer for sale in the future.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 16, 2011
Apr 1, 2011
Currency Exchange Loss:
Mar 17, 2012