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Sum lives together with her husband and three children in their own home in Prey Chor district, Kompong Cham province. She works in agriculture, specifically in rice farming, and raises some poultry in her yard. Years of working in this occupation has given her valuable experience, which allows her to have a better harvest. Sum can earn additional income by getting involved in other supplementary businesses whenever she is available from the bustle of work in farming activities. Right now she sells dried freshwater clams ("liahs" is the Khmer word) at a nearby market, generating approximately $5.00 per day.

Sum is the kind of honest woman who is very industrious in her daily tasks. She strives to attain a better future through her children’s education. Sum wants to double the output of her rice product this year. For this reason, she is requesting a loan from HKL to buy a piece of farmland for growing rice. Sum has been a good client with HKL for four times already, and she has good payment references. She ensures that she will be able to repay her debt, and at the same time, she has confidence that she will give her family a better quality of life.

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
  • 307
    View loans »
    Cambodia Loans Fundraising
  • $37,569,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Sum to buy a piece of farmland for growing rice.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 11, 2013
Currency Exchange Loss:
May 17, 2015