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El's Group
In this Group: El, Chan
The two people shown in the photograph are low-income people who are jointly requesting a loan. They are all living in Kompong Chhnang Province in Cambodia. One of them, Mrs. El L., age 42, has been selected to be leader by the other member. To earn a living, she cultivates a rice crop in her own farmland. Mrs. El L.’s husband, Mr. Mear Mao, is a 46-year-old construction worker who makes about $3 per day. This couple has eight children. Four of the children are single and four are married and live in their own house. In addition, Mrs. El L. also sells fish paste, sugar, and rice to customers in the market. In order to earn extra profit and to make the business more successful, Mrs. El L. will be using the loan she requested to accumulate a larger quantity of her inventory items. The other borrower is Mr. Y.. He is a grocery seller who is asking for a loan to sustain her business growth.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Cambodia

  • $2,600
    Average annual income
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,424,450
    Funds lent in using Kiva
  • 4,210.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of El's Group's $500 loan helped a member to accumulate a larger quantity of her inventory items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 22, 2010
Oct 28, 2010
Currency Exchange Loss:
Nov 15, 2011