Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Hattha Bank, previously Hattha Kaksekar Limited (HKL), is one of the largest and most successful Microfinance Banks in Cambodia, providing microfinance services to the poor, particularly women, in urban and rural areas. Hattha Bank was founded in 1994 by Oxfam Quebec and became a nonprofit organization in 1996. In 2001, it registered as a limited company with the Ministry of Commerce. In August 2020 Hattha Bank obtained the license of a Commercial Bank from the National Bank of Cambodia and changed the name from Hattha Kaksekar Limited to Hattha Bank.

Hattha Bank helps its clients build their own businesses by providing sound financial services, including lending, savings, and money transfers, thereby contributing to Cambodia's social and economic development. The organization provides individual loans with flexible loan repayment schedules in all business sectors, including agriculture, transportation, and construction. 

As of January 2020, Hattha Bank operates 177 offices across the country and serves 172,169 active borrowers. After more than two decades of operation, Hattha Bank has remarkable experience lending to poor families in rural and urban areas. The organization is dedicated to the continuous expansion of its services as it matures and grows the geographical coverage within Cambodia. 

Hattha Bank is a subsidiary of Bank of Ayudhya (Krungsri), one of the largest commercial banks in Thailand, and a member of MUFG Bank, Japan’s largest banking group.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Feb 14, 2008 Oct 12, 2005
Total Loans $9,893,925 $1,512,701,175
Amount of raised Inactive loans $0 $572,300
Number of raised Inactive loans 0 301
Amount of Paying Back Loans $1,464,750 $160,431,425
Number of Paying Back Loans 1,168 198,704
Amount of Ended Loans $8,429,175 $1,351,697,450
Number of Ended Loans 12,578 1,774,608
Delinquency Rate 0.26% 20.59%
Amount in Arrears $2,878 $21,162,513
Outstanding Portfolio $1,058,902 $102,768,914
Number of Loans Delinquent 13 98,003
Default Rate 0.02% 1.75%
Amount of Ended Loans Defaulted $1,805 $23,589,578
Number of Ended Loans Defaulted 3 58,753
Currency Exchange Loss Rate 0.01% 0.40%
Amount of Currency Exchange Loss $1,685 $6,348,424
Refund Rate 0.05% 0.62%
Amount of Refunded Loans $4,750 $9,364,100
Number of Refunded Loans 18 8,695

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 78.85% 77.00%
Average Loan Size $657 $393
Average Individual Loan Size $718 $605
Average Group Loan Size $745 $1,776
Average number of borrowers per group 3.7 7.9
Average GDP per capita (PPP) in local country $2,600 $5,701
Average Loan Size / GDP per capita (PPP) 25.28% 6.89%
Average Time to Fund a Loan 5.29 days 7.84 days
Average Dollars Raised Per Day Per Loan $124.31 $50.08
  Average Loan Term 15.73 months 11.36 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 632 936,391
  Journaling Rate 4.92% 42.95%
  Average Number of Comments Per Journal 0.06 0.03
  Average Number of Recommendations Per Journal 2.80 0.69

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 20% PY 30.00% PY 28.14% PY
  Profitability (return on assets) 2.46% 4.6% -0.56%
  Average Loan Size (% of per capita income) 143.00% 184.00% 11.61%

Country Fast Facts

Field Partner Staff

chantheary chhean
Buntry Khou
Sin Net
Mam Phallythidavann
Thun Serieiratanak
khiev vanna