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Sem, 52 years old, lives with her life partner and two of her six children in her own house in a community of Prey Chor district, Kompong Cham province.

For more than 30 years, growing rice has been a constant business activity for her family. Sem and her husband are involved in producing mortars and pestles and also run a grocery store at home to supplement their normal income. Sem sells a variety of products to satisfy her customers, such as noodles, spices, sweets, beverages, laundry detergent, shampoos, and other miscellaneous household things. Her customers are her neighbors, relatives and friends who visit her store every day. The main challenge in her business is that her some of her customers buy her products on credit, and thereby slightly decrease her profit.

Sem is seeking for another loan through HKL and Kiva to invest in her retail business. With the support from this loan she intends to cover her business‘ financial needs because she wants to buy additional inventory for her retail business. She hopes to meet her customers’ satisfaction, and therefore increase her daily profit. She is very happy to continue working with HKL loans. Her dreams are to increase her sales and make some home improvements.

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
  • 38
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 3,983.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Sem to buy additional inventory for her retail business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 9, 2013
Feb 4, 2013
Currency Exchange Loss:
Feb 19, 2014