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Tes is from the Ornlong Veng district, where she grew up. She earns a living in the rice farming business. She has been in this type of business for many years. She is now 33 years old and is responsible for two single children who are attending local schools. Tes’s priority in life is to provide a good standard of living and a good education for her children. This encourages her to work tirelessly at the rice field from dawn to dusk. Falling rain in the early part of the rainy season is a sign for Tes to start growing her rice crops.

Due to a lack of funds for operating expenses, Tes would like to request a loan from HKL to rent a tractor to till her land. Also, with the borrowed money she will purchase herbicides to help her rice crops. She believes that she will be able to have a fruitful harvest as a result of the loan. Tes plans to grow potatoes for extra income in the following season.

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
  • 285
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • 4,010.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Tes to rent a tractor to till her land and to purchase herbicides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2012
May 17, 2012
Currency Exchange Loss:
Apr 25, 2013