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Sina is a 34-year-old married woman. She has only one child who is attending school. Sina describes herself to be a small person but hardworking. She operates a farm where she grows rice in the two seasons of the year. She has been involved in this business for nearly 15 years. Her business is located in a good area of the Prey Veng province and is going well.

As this will be her first loan, Sina will use it to buy a solar home system to install on the top roof of her house, which is located in the off-grid area of the province. After being with Hattha Kaksekar Limited, she can gain access to micro-finance services and solar energy, which she will use to support household appliances such as lights, TV, and radio, so everyone in her family can work or even study at night.

She expresses her thanks to all lenders in advance.

Additional Information

More information about this loan

This loan is part of HKL's new green loan program designed to help improve living standards of poor and low-income people living in rural areas of Cambodia by giving them access to clean energy. Solar loans under this program allow poor families living off the grid to invest in solar home systems that can power lights, fans, radios, and mobile phones. HKL also disburses loans for biogas digester plants which allow farmers to convert animal and human waste into biogas that can be used to power clean cookstoves and organic fertilizer for their farms. These loans have numerous economic, health, environmental, and social benefits for families which include saving money and time collecting fuelwood, reducing smoke-borne diseases, and allowing family members to do schoolwork and housework in the evening. HKL has designed these social loan products to feature a lower interest rate than typical Kiva loans.

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
  • 42
    View loans »
    Cambodia Loans Fundraising
  • $38,736,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Sina to buy a solar home system to install on the top roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 6, 2014
Mar 23, 2014
Currency Exchange Loss:
Mar 17, 2015