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Phen, aged 51, lives in his own house with his spouse and seven children in Kampong Thom province. He is a very responsible and hard-working father.

He has made a living in agriculture and in sourcing and purchasing hair for beauty uses. From his effort and perseverance, he can make a net profit of KHR 16,000 per day. His wife also helps in him in the same businesses.

Phen has applied for a loan to increase his capital for the purchase of hair, which he will sell to local hairdressers for their needs.

With the loan, he will be able to continue with his work, improve his income, and give his family more financial stability. Phen thanks lenders for their constant support. He awaits your kindness and relies on your generosity.

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
  • 235
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • 4,077.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Phen to increase his capital for the purchase of hair, which he sells to local hairdressers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Sep 18, 2013
Currency Exchange Loss:
Jun 17, 2014