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Um is 44 years old and a humble villager from Batey district, Kompong Cham province. She has a common-law relationship with her husband; they both work as rice farmers. She has been in this business for many years. For additional income, Um owns and operates a grocery shop selling beef soup with vegetables in her neighborhood. Now she is responsible for three single children, two of whom are employed and work in the construction field.

To satisfy the family's living needs, Um would like to take out a loan of USD 400.00 to purchase a used motorcycle for home use. This will enable her family to avoid paying for motor-taxi service as they have previously. In the future, Um wants to expand her grocery shop and save some money to buy an extra plot of farmland to increase her rice production.

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
  • 258
    View loans »
    Cambodia Loans Fundraising
  • $37,529,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Um to purchase a used motorcycle for home use.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 26, 2012
May 2, 2012
Currency Exchange Loss:
May 17, 2013