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Mr. Hach R., 23 years old, makes charcoal to sell in his area. He has been running his business since 2005 and earns around US$4.66 per day. Hach sells the charcoal from his home area to his customers, including retailers and wholesalers. He is married to Mrs. Hon Sona, 20 years old. They have one child, who is too young to be in school yet. They live in Khnasanday Commune in the Siem Reap Province.

To increase the family's income Hach wants to sell his charcoal by transporting it to customers' homes. He needs oxen to use as transportation, but he faces the obstacle of lacking the money to purchase two oxen. Hence, Hach would like to request a loan to carry out his plan. Hach's wife is pictured because Hach was unavailable.

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
  • 41
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Hach to purchase two oxen to transport products to customers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 30, 2008
Sep 16, 2008
Currency Exchange Loss:
Aug 15, 2009