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Heng's Group
In this Group: Heng, Chheng, Sem, Mao
Heng N. is the leader of this four-member group; all the borrowers live in the province of Siem Reap. N., 44, is currently a massage employee in a small club and earns a proper salary to contribute to her family’s well-being. She is married to Saiy, 47, who is a temporary laborer.

Heng N. is the mother of five children, all of whom are single. One of her sons works driving a taxi. Heng N. has an older house that often has problems and she hopes to repair it by using this loan from Kiva.

The other three members are:

S., 59, who sells firewood to earn a living. She needs a loan to repair her broken motorcycle.
N., 56, who makes and sells various cakes and she is asking for a loan to help her business grow.
L., 64, who is a porter in the busy local market. She requests a loan to buy the a motor bike for traveling to work.

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 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
  • 74
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Heng's Group's $650 loan helped a member to repair her older house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 20, 2010
Jan 10, 2011
Currency Exchange Loss:
Sep 15, 2011