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S. is 36 years old and lives in Siem Reap Province. She has three children, all of whom are single and live with her. Her older daughter is employed as a garment worker, which adds to the family's income. S. is married to Nginh, 32, who is a local construction foreman with a net income of $3 a day. S. grows vegetables behind her house and has sold her gourds in bulk since 2003. She also sells fish at the market that she gathers in bulk from a fisherman. Her sales have increased her family’s income. However, S. now faces difficulties with transportation and with the condition of her garden soil. She is looking for a loan of $600 to buy a motorbike and fertilizer, which will help her out with her business, and will help the family reach a better standard of living.

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
  • 258
    View loans »
    Cambodia Loans Fundraising
  • $37,494,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Chhay buy a motorbike and fertilizer.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 18, 2009
Mar 4, 2009
Currency Exchange Loss:
Dec 15, 2009