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Mr. Orm C., age 52, is a married man living in Takhmao City. To earn a living, Mr. Orm C. works making bricks in a factory in his district and he earns a proper salary every month in order to support his family’s daily expenses. Mr. Orm C.'s wife is employed as a cleaner in the factory. Besides working, Mr. Orm C. is also a farmer and he owns a piece of farmland that he inherited many years ago from his grandparents. In the past, Mr. Orm C. has always hired the neighbor’s cow in order to alleviate the chore of plowing the farmland. Now he hopes to buy his own cow and that is why he is applying for a loan from Kiva. This will provide him with an additional fixed asset.

Note: Mr. Orm C.’s son is pictured here because he was not available when the photograph was taken.

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
  • 158
    View loans »
    Cambodia Loans Fundraising
  • $41,502,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Orm to buy his own cow.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 15, 2010
Nov 26, 2010
Currency Exchange Loss:
Jun 15, 2011