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Phem, age 51, is picture in this photo with her husband in their home, located in the Baray district of Kompong Tom province, Cambodia. Phem is responsible for four single children, all of whom are working for garment factories in Phnom Penh. Recently, Phem has been operating a small canteen, from which she sells breakfast and lunch to young students of a primary school. Her husband works at a motorcycle repair service in his commune to contribute his income for the family.

With loan amount of USD 800, Phem would like to buy timber to renovate and expand her canteen. And with the remainder, she will buy spare motorcycle parts for her husband’s business. Phem hopes that this loan will be granted to her to improve her business and living standard. She believes that she can raise her family out of poverty someday through her sacrifice and effort.

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
  • 268
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Phem to renovate and expand her food canteen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 18, 2012
Jun 15, 2012
Currency Exchange Loss:
Jun 20, 2013