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Chum S. is a widowed woman who has lived in the Kampong Chhnang Province since 1980 working as a primary school teacher. She has four married children who live outside her home, and two single children under her roof: a daughter who is also a primary school teacher and a son who is now working in the military. Her daughter, who is a teacher, is also a part-time tailor for local needs. This is the reason for Chum's loan to buy cloth and a sewing machine. She could earn about $4 per day at maximum. Her dream is to support her daughter's successes in business and have a better home.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 91
    View loans »
    Cambodia Loans Fundraising
  • $41,820,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Chum to buy cloth and a sewing machine.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 8, 2010
Dec 15, 2010
Currency Exchange Loss:
May 15, 2012