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Mr. Toch T. is 55 years old and lives in Kompong Tom, a province of Cambodia, located about 200 km from Phnom Penh.

Toch T. owns and uses a motorcycle to pick up passengers around his community for a profit. In addition, his wife (who appears in the photo here) produces cakes and sells them to people in the village. The couple has six children, half of whom are now married and the rest of whom are single. Besides their current work, the family takes time to plant rice crops. Toch T. also has an ox that he uses to provide a breeding service for a fee. Toch T. has seen that this service is very profitable, so he would like to request a loan to buy more oxen to provide this service.

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
  • 204
    View loans »
    Cambodia Loans Fundraising
  • $39,967,725
    Funds lent in using Kiva
  • 4,193.8
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Toch to buy more oxen to provide a breeding service.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 16, 2010
Mar 22, 2010
Currency Exchange Loss:
Apr 17, 2011