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Smas R., 46, is a humble mother who has three children. All of her children are learning at the local public school. Currently, Smas R. stays at home to do housework and assists in her husband’s business.

The financial income for this family comes from her husband's business. He sells different kinds of merchandise from province to province. He also buys items in bulk, on credit, from market sellers in Phnom Penh. He then supplies his products to people who are sellers in small markets in each province. Smas R. says that her husband’s enterprise is a very profitable one and he is able to earn enough money to meet her family's needs. She would like to ask for a loan for her husband to buy additional merchandise for resale.

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
  • 54
    View loans »
    Cambodia Loans Fundraising
  • $38,705,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Smas to buy additional merchandise for resale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Nov 15, 2011