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Hem S., 49 years old and a resident of Banteay Meanchey Province, Cambodia, earns a living as a tailor, providing her services to neighbors, sewing both traditional and modern clothes. She conducts the business very well and her many customers recognize the good service she provides. From this enterprise, she can earn an average of $9 per day. As well, she has always cultivated a rice crop.

Hem is a widow and the mother of four children; two are married and have already started families, and the others are single and still live in the family home. Hem S. is applying for a loan to purchase a plot of farmland in order to grow a rice crop during the approaching rainy season.

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
  • 68
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Hem to grow a rice crop during the approaching rainy season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 25, 2009
May 25, 2009
Currency Exchange Loss:
Dec 15, 2009