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 Kaksekar Limited (HKL) is one of the largest and most successful microfinance institutions (MFIs) in Cambodia, providing microfinance services to the poor, particularly women, in urban and rural areas. HKL 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.

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

HKL’s impact and awards:

Today, after more than a decade of operation, HKL has remarkable experience lending to poor families in both rural and urban areas. To date, it has disbursed loans totaling over US$40 million to over 63,000 clients. The organization is dedicated to continuing to expand its services as it matures and grows to serve additional regions within Cambodia.  

In 2011, HKL underwent a social impact assessment by Micro Finanza Rating. The organization was found to have “Very good operations and performance…stable even if it could be affected by major internal and external events.”

HKL’s client who applied for a loan to buy a second-hand motorbike for her unemployed husband to support their family.


Image courtesy of Hattha Kaksekar Limited.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Feb 14, 2008 Oct 12, 2005
Total Loans $6,996,650 $841,017,025
Amount of raised Inactive loans $0 $481,125
Number of raised Inactive loans 0 222
Amount of Paying Back Loans $587,250 $135,113,900
Number of Paying Back Loans 649 162,729
Amount of Ended Loans $6,409,400 $705,422,000
Number of Ended Loans 10,307 873,525
Delinquency Rate 0.00% 8.61%
Amount in Arrears $0 $7,521,099
Outstanding Portfolio $382,125 $87,374,118
Number of Loans Delinquent 0 24,336
Default Rate 0.03% 1.28%
Amount of Ended Loans Defaulted $1,805 $9,044,396
Amount of Ended Loans $6,409,400 $705,422,000
Number of Ended Loans Defaulted 3 23,680
Currency Exchange Loss Rate 0.00% 0.42%
Amount of Currency Exchange Loss $0 $3,556,056
Refund Rate 0.07% 0.64%
Amount of Refunded Loans $4,750 $5,410,350
Number of Refunded Loans 18 5,724

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 82.06% 74.77%
Average Loan Size $571 $408
Average Individual Loan Size $633 $643
Average Group Loan Size $745 $1,816
Average number of borrowers per group 3.7 7.9
Average GDP per capita (PPP) in local country $2,600 $5,941
Average Loan Size / GDP per capita (PPP) 21.94% 6.88%
Average Time to Fund a Loan 3.53 days 6.86 days
Average Dollars Raised Per Day Per Loan $161.76 $59.55
  Average Loan Term 13.54 months 11.01 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 631 416,918
  Journaling Rate 6.06% 40.59%
  Average Number of Comments Per Journal 0.06 0.06
  Average Number of Recommendations Per Journal 2.80 1.35

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 24% PY 30.00% PY 27.71% PY
  Profitability (return on assets) 2.8% 4.6% -0.31%
  Average Loan Size (% of per capita income) 143.00% 184.00% 19.52%

Country Fast Facts

Field Partner Staff

Duch Bopha
Pho Channa
Seaklay Houn
Buntry Khou
Tin Mosatya
Sokkong Ngoun
Chan Sopheakdey