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Nakry is 47 years old and is a married woman of three children. She sells breakfast in front of her house, located in the Preah Sihanouk province, to make an income to add to her husband’s income. Her husband operates a service-based business providing Tuk Tuk service to the people living in their area. This year Nakry’s youngest child just graduated from high school and Nakry wants him to attend o a university in the province. However, she doesn’t have enough money to support him, so she decided to have a loan of 400 US dollars to enroll her son in the first-year program of a bachelor's degree. He is majoring is Korean literacy because he realizes that this will bring him a good job in the future as the market of Korean investment in Cambodia is increasing. Narky, pictured here, is applying for a loan to pay for her child’s education fees. The student is not pictured, but will be the beneficiary of the loan, though not directly responsible for paying back the principal.

Additional Information

More information about this loan

This loan is part of HKL's new higher education loan program, designed to help students pursuing university degrees to afford tuition and other school-related expenses. Through this program, HKL expects to increase the number of Cambodians with access to higher education and better-paying jobs. Ultimately, it aims to reduce poverty and aid economic development in Cambodia. HKL has designed this loan product to meet student needs including a lower interest rate, grace period on principal while the student is in school, and longer loan term.

Please be advised that this loan might carry a grace period while the student is in school that may result in a lengthy loan term.  Please refer to the Repayment Schedule before making this loan.

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
  • 267
    View loans »
    Cambodia Loans Fundraising
  • $37,517,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Nakry to enroll her son in the first-year program of a bachelor's degree.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 27, 2013
Currency Exchange Loss:
Sep 17, 2014