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Hem V. is a long-time businessman and a low-income person. He is a gasoline seller in retail to his neighbor other people in and around Kompong Tom Province, and earning an income of approximately $5.60 per day for supporting his family’s expenses. He has a life partner in his wife who is a seller of different products such as fast food, and Khmer cake. The couple is blessed with three children, all three of whom are single and living on their own. Hem V.’s house has already been built, but now his saving account is not enough to pay for the construction fee. This is why he has decided to look for lenders on Kiva. Hem V. was not available at that day, so his wife is pictured instead.

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
  • 65
    View loans »
    Cambodia Loans Fundraising
  • $41,756,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hem to pay the construction fee.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 15, 2010
Dec 1, 2010
Currency Exchange Loss:
Nov 15, 2011