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Yem S. is a 49-year-old married woman who currently lives with her family in the province of Kompong Cham. Yem S. earns an average daily profit of $1.50 per day by planting rice crops on her farmland which she inherited from her grandparent. Her husband is a motor taxi driver and he also earns an income of approximately $1.50 per day. They have five children; four are single and one is married. Three are employed in various jobs. Currently, Yem S. has a son who works as a construction worker and he has a problem because he doesn't have his own vehicle to travel to work. Yem S. wishes to encourage her son so she is applying for a loan to purchase a secondhand motorcycle, which will allow him to drive to his work location. Yem S. and her young son are in the photo.

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
  • 52
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Yem to purchase a secondhand motorcycle for her son to drive to work.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 9, 2010
Jan 4, 2011
Currency Exchange Loss:
Oct 15, 2011