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Say S., 57, is an older woman and the widow mother of four kids. To earn a living, she owns a small store in a good location. In her shop, she sells different kinds of flowers to people who need to decorate for parties or ceremonies. Also, she takes time to order fruit in bulk to resell for additional income. Her children assist her in her business activities. Say S. normally earns an average of $3 per day to help cover her family’s daily living expenses. She is currently selling well because she has a skill in communicating with people.

To meet the needs of her family, she is applying for a $1,200 loan. She will use some of the loan as capital to accumulate a quantity of various flowers and fruits to sell. With the remaining cash from the loan, she will buy a used motorcycle for her riding needs.

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
  • 110
    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 Say to accumulate a quantity of various flowers and fruits to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 9, 2010
Jul 1, 2010
Currency Exchange Loss:
Jan 19, 2011