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Hem S. is a village woman and a widow- her husband died of senility a few years ago. She is a local farmer in Kompong Chhnang Province. She plants various crops to earn a living and typically generates an income of $5 per day. She has three teen-aged children, two of whom are single and a third that is employed in a public organization. Kong S. is able to plant the crops at least twice a year by following both rainy and dry seasons. Growing crops is an annual action with which she has had great success. The coming rainfall is good, however, Hem S. doesn’t have capital yet to use on her farm. So, Hem S. is looking for a loan to use towards purchasing fertilizers and a pump machine.

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
  • 53
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,210.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Hem to use towards purchasing fertilizers and a pump machine.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 25, 2010
Oct 28, 2010
Currency Exchange Loss:
Feb 15, 2012