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S., age 46, is married to Pum, age 47. She has three children, two of whom are employed as garment workers. The other one attends school. Her husband has been earning a living for many years by climbing the palm trees behind his house. Palm-tree-climbing jobs are very common for poor people who live in the commune.

S. has a plot of farming land. She and her husband have earned a better income since her first two children grew up and went to work. S. is looking for a loan to buy a cow because her old cow doesn't support her field work. Her husband also appears in the photograph.

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
  • 138
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,151.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $125 helped Um to buy a cow.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 15, 2009
Oct 1, 2009
Currency Exchange Loss:
Aug 16, 2010