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Vorn N. is a 53-year-old woman and a local villager living in a medium-sized home with family members in Kompong Tom Province. She owns a piece of farmland that she inherited many years ago from her grandparents who died of senility. She uses this land to raise crops and a few pigs. Vorn N. is a mother blessed with five children. Two of them are already married and live away from home, while the remaining three are unmarried. Almost all of the children are employed. As another source of family income, Vorn N.’s husband sells firewood that he buys from the forest. To help alleviate the hard physical labor of the business activities, Vorn N. is seeking a loan to purchase a pair of water buffalo that she will use to plow the farmland and carry the firewood from the forest.

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
  • 195
    View loans »
    Cambodia Loans Fundraising
  • $39,989,225
    Funds lent in using Kiva
  • 4,265.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Vorn to purchase a pair of water buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 17, 2010
Jul 6, 2010
Currency Exchange Loss:
May 15, 2011