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Tho, aged 57 years, is a humble farmer living in Kompong Cham province with her spouse and two single children, while three other children are living separately after marriages.

She has been in the farming business for more than 30 years, with her expertise in this field. She owns a few hectares of farmland on which she primarily grows rice both for sustenance and for sale. Her husband always helps in farming and also devotes his time to a carpentry business. He is skilled at making boats, and he frequently does carpentry work whenever there are orders or requests from customers.

Because of a lack of carpentry supplies, Tho’s husband won’t be able to grow his business into a success, and this will be his challenge in the business.

Tho would like to help her husband in pursuing good growth of his business and supply him with the tools he needs for his carpentry work. Consequently, she has applied for a loan from HKL and Kiva to purchase carpentry tools, such as a metal smoothing plane, jigsaw, chisels, and a handsaw.

She believes that this purchase will enable her husband to become more productive, and she hopes that he will have more customers.

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
  • 308
    View loans »
    Cambodia Loans Fundraising
  • $37,564,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Tho to purchase carpentry tools for her husband.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Sep 1, 2012
Currency Exchange Loss:
Dec 17, 2013