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S., age 22, is a young mother caring for one lovely baby. She married her husband in early 2007, and they live away from their parents' homes. S. raises some poultry to sell, while her young husband earns a living as a fisherman. In addition, S. and her husband also have a farming business. S. has known the basics of cultivating rice since she was single – a skill she learned from her grandparents.

It is the farming season and the time for S. to grow a rice crop, but she lacks some farm supplies. Therefore, she is applying for a loan to buy a water buffalo to plow her field, and for fertilizers and rice seed to grow.

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
  • 212
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • 4,125.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Seng to buy a water buffalo, fertilizers and rice seed.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 27, 2009
Sep 10, 2009
Currency Exchange Loss:
Sep 15, 2010