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Leam is 25 years old and single. She lives with her parents and other siblings in a rural village of Prasat Bakong district, Siem Reap province.

Leam graduated from high school in 2012 and enrolled to University of South-East Asia in their province. She is now a second-year student majoring in accounting. She loves this major because she thinks that it’s suitable for her personality. To help her parents cover her education costs, Leam is currently employed part-time at a golf club and earns a monthly income of USD45.00.

Due to the family’s financial constraints, Leam is experiencing difficulties to cover her education fees, so she decided to take out a loan in the amount of 1,200 US dollars, which will enable her to cover the overall fees for the remaining two-years of classes.

Leam is very happy and thankful for the loan funded via a program like Kiva to allow poor students to pursue a higher education, and contribute to the future development of Cambodia.

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
  • 283
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,200 helped Leam to cover her education fees.
28% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
Dec 17, 2013
Jan 17, 2014
Currency Exchange Loss: