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Ngov S. is 58 years old and a resident of Siem Reap Province where she has owns a plot of land in her village. She is a mother of one child and is married to Moth Set who is a local brick layer and earns about $1.50 per day to help meet with his family's expenses. She is widely known in her business of growing rice crops and vegetables, which she plants twice a year. She earns an income of approximately $2 each day. Ngov works hard at her business activities every day and never wastes time. Growing is S.'s main source of income to help sustain her family and especially make sure her receives enough food. S. has requested a loan to help purchase equipment to repair her old house. The loan will make her family's living conditions more comfortable.

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
  • 326
    View loans »
    Cambodia Loans Fundraising
  • $37,587,725
    Funds lent in using Kiva
  • 4,148.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ngov to repair her old house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 12, 2009
Jan 13, 2009
Currency Exchange Loss:
Dec 15, 2009