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Nov and her family completely depend upon rice farming. She has been cultivating rice as her major source of income for over 24 years. She primarily grows rice on her 2.5 hectares of farmland, and sells it to local traders in her village for profit each harvest season. She usually generates approximately 5.00 USD per day, which goes for her daily sustenance, allowances for her school-aged child, and other commodity costs. Nov is 43 years of age, married, and a mother of three children, two of whom are employed while the last-born child is still a student.

Nov is asking for a loan that will surely help improve her farming business. She would like to acquire a 700 USD loan to purchase fertilizers and pesticides for her rice crops. With her profit from this investment, she will reinvest it back to a new cycle of crops growing and send her child to join a university program in Phnom Penh.

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
  • 46
    View loans »
    Cambodia Loans Fundraising
  • $38,700,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Nov buy fertilizers and pesticides.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Aug 15, 2012
Currency Exchange Loss:
Apr 25, 2013