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Miss Um is from Prey Chor district of Kompong Cham, where there is lots of fertile land for farmers to grow their crops. Um is now 32 years old and is a widowed woman living without a child. For a livelihood, she works for a garment factory in a position as sewing staff and she usually gets her payment monthly. She said that if she tries to work overtime, she will be able to make more bonus in addition to her income.

To upgrade her standard of living, Um wants to change her lifestyle and the way she works for her income. She wishes to open a grocery store, from which she can sell breakfast, lunch, dinner and soft drinks especially to garment workers. Yet she doesn’t have enough capital to start her planned business.

Now she has come to HKL for the fourth time to borrow some funds needed to open and operate a grocery store located near a garment factory in the province. With the increase in income, she will fix her thatched wall that is old and broken.

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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,709,225
    Funds lent in using Kiva
  • 4,005.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Um to open and operate a grocery store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 14, 2012
Mar 19, 2012
Currency Exchange Loss:
Jan 23, 2013