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Pen, 37, owns a grocery shop in which she sells breakfast, lunch, dinner as well as snacks. This business is located in Reussey Keo, a suburb area of Phnom Penh city and a public gathering for Muslim people. She usually earns an income around $5.00 per day through her business. In parallel, she also buys and sells merchandise that is made from a factory nearby. She distributes them to her frequent customers, who retail them in a local market of the city.

Pen is working very hard to attain a good quality of life and ensure a bright future for her children. Now she would like to borrow a loan of $800 to supplement her existing capital to buy more stocks of merchandise from the factory to sell wholesale. Her business goal is to sustain and improve her two businesses in order to gain more income.

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
  • 293
    View loans »
    Cambodia Loans Fundraising
  • $37,552,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Pen buy merchandise to sell wholesale.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 23, 2011
Dec 3, 2011
Currency Exchange Loss:
Aug 15, 2012