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Tharith is 32 years old and in a common-law marriage. He has two dependent children who are attending local primary school. He works as a paid laborer in a garment factory, earning a normal salary, which goes for meals, other costs, and allowances for his children. His wife also works with him in the same workplace to financially support this family.

Tharith is seeking other ways of generating enough income to provide for their basic needs. As an initiative, he would like to start up a clothes selling business, but he has insufficient capital to realize his plans. For this reason, he has requested a loan of 1,500 US dollars from Kiva and the field partner to buy used clothes for sale. He dreams of improving his family’s quality of life and moving ahead with his plans to be successful. He promised to himself that he will send his children to attend university class after their graduation.

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
  • 43
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Tharith to buy used clothes for sale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Oct 24, 2013
Currency Exchange Loss:
Jan 17, 2015