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S. was born in 1986 and is a married mother blessed with a young child. She currently works sewing clothes in a factory and gets a stable salary of $90 a month. She was busy with her job when the photo was taken, so her husband is pictured instead.

As another income source, S.’s husband has the skill of making wooden statues by hand and has been a local statue carver for years. S. saw that her husband’s carving business has provided her family with much income, so she hopes to upgrade this business to be more efficient by using a loan from Kiva through HKL.

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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Chhin to upgrade her husband's carving business.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 11, 2009
Dec 1, 2009
Currency Exchange Loss:
Oct 16, 2010