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Chanthou is 19 years old and single, living with her parents and other siblings in a rural village of Prasat Balangk district, Kampong Thom province. Chanthou graduated from high school in 2013, and she passed her exam to be a trainee teacher, majoring in Khmer literature. After two years of training, she will be a secondary school teacher. With the purpose of aiming to be a professional and move to next step of her life career, she would like to attend a university in the faculty of sciene education, majoring in Khmer literature.

Due to inadequate capital, Chanthou is taking out a loan of an amount of 1,080 US dollars, which will enable her to cover the overall fees for a bachelor degree. Chanthou is very happy and thankful for the loan funded via the Kiva program to allow poor students to pursue a higher level of education while contributing 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
  • 285
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,100 helped Chanthou to cover the overall fees for a bachelor degree.
58% repaid
Repayment Term
63 months (Additional Information)
Repayment Schedule
Mar 28, 2014
Apr 30, 2014
Currency Exchange Loss: