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Mr. Pen N. is a 56-year-old married man. To earn a living, he sells firewood around his community, which he collects from the forest by attaching a cart to his two cows. His wife also earns income for the family by raising and selling pigs and crops. The couple now have six children, three of whom are married, and three of whom are still single. To help be responsible for the family, four of the children are employed in various jobs.

In the past, Pen N. hired villagers’ animals to help pick up his firewood. He hopes to eliminate this expense, and to that end is applying for a loan in order to buy a couple of water buffalo that he will use to pick up his firewood. (Pen N. was busy at a business activity when this photo was taken, so his wife is pictured instead.)

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
  • 172
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,175.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Pen to buy a couple of water buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 20, 2010
May 8, 2010
Currency Exchange Loss:
Apr 17, 2011