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Sâr is 31 years old, a married woman who has two single children attending school. She provides them daily allowances and food with the income she generates from rice husbandry. She has been in the business for more than 13 years. Sâr described herself as a low-educated woman who struggles to work hard to provide her children a good education. She said that only education can alleviate poverty and she doesn’t want them to follow the path of difficulties she has experienced in her life.

At the present, Sâr would like to take out a loan of KHR 4,000,000 to buy timbers for the repair of her house. With any left amount, she will purchase a used motorcycle for home use purposes in order to satisfy her living needs. In the future, she hopes that she will be able to expand her business and lift her family out of poverty.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 42
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 4,042.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sâr to buy timbers for the repair of her house.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Mar 29, 2012
May 3, 2012
Currency Exchange Loss:
Apr 25, 2013