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Ruos' Group
In this Group: Ruos, Nach, Sean, Im, Chhoun
This small loan is being requested by five borrowers, all of whom live in Domnak Ompel Commune in Phom Penh City. The group leader, Mrs. S., 28, has been a local cultivator for a long time. She now grows rice and vegetables, as well as raising pigs from home for a daily income. She is married with one child who attends school, whilst her husband works as a staff member for a company.

S.'s house is old; that is why S. is taking a loan for repairing her house. The loan will provide the family with a better standard of living.

The other borrowers in the loan group are as follows:

K., 44, who raises poultry for sale and is looking for a loan to buy chicks to raise;

C., 40, who sells Khmer noodles in the neighborhood and is asking for a loan to buy necessary ingredients for her business;

C., 41, who is a rice farmer and is applying for a loan to buy a motorcycle for her family's transportation; and

K., 35, who is a motorcycle taxi driver. He is asking for a loan to increase his wife's capital for growing mushrooms.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Cambodia

  • $2,600
    Average annual income
  • 196
    View loans »
    Cambodia Loans Fundraising
  • $37,044,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Ruos' Group's $1,250 loan helped a member to repair her old house.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 11, 2009
Mar 13, 2009
Currency Exchange Loss:
Dec 15, 2009