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Mrs. Koy is a 35-year-old married woman who has been living in the Pouk district of Siem Reap province, Cambodia. Presently she lives with her husband and four children. One of her children has started a new family and is living away from home.

Koy earns a living by selling a mix of products in a small store near her house, such as groceries, packaged foods, sweets, canned foods and other products. She has run this business smoothly because she has many customers who come to buy her products every day. She typically makes around $5USD per day. She also gets income from her husband and her two daughters who work hard in the construction field with the men.

Now she lacks capital to buy more products to sell. Therefore, she would like to request some funds from Kiva through HKL to purchase an additional stock of goods for continuing her business. With the rest of the loan, she wishes to buy some piglets for raising to make more income for the family. In the future, Koy hopes she’ll be able to raise their standard of living and to enlarge her business to be bigger 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
  • 294
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • 4,095.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Koy to purchase an additional stock of goods.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 12, 2011
Oct 14, 2011
Currency Exchange Loss:
Jan 15, 2013