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Saro M., 51, is a farmer who lives in Chrey Krem Village, Phteah Rung Commune, Pursat Province. He is very experienced in this business as he has been farming since 1979. Currently, he earns approximately US$1.50 per day. He is married to Mrs. Ty Nhep, 52, who is a housewife; in other words, Ty stays home to care for their children and to cook food for the family. Indeed, Ty has a difficult task because they have eight children, four of whom are married while the other children are young and attend school.

Unfortunately, Saro's farmland is infertile, so he is in need of a loan in the amount of 700,000 Riel (US$175) to purchase fertilizer to use on his rice crop. Ty hopes the loan will allow him to increase his rice yield above and beyond what it was in previous years. As for his future plan, he wants all of his children to go to university and to get good jobs.

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
  • 316
    View loans »
    Cambodia Loans Fundraising
  • $37,587,725
    Funds lent in using Kiva
  • 4,086.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Saro to purchase fertilizer to use on his rice crop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 6, 2008
Oct 23, 2008
Currency Exchange Loss:
Dec 15, 2009