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Sem P., 52, is a village woman living in Kompong Cham Province. She is a local crop farmer, growing rice and vegetables on her own farmland. To help meet the family's daily expenses, her husband works as a builder in and around his community. They have seven children, two of whom are single and five are married and living in their own house.

Sem P. has two children who are sewing workers at the garment factory. Dry weather is coming at the beginning of this year, and it may affect Sem P.’s business. She faces a difficult season if she is not able to irrigate her crop. Sem P. is taking out her loan to purchase some pipe and a water pump for her crops. With any remainder of the loan funds, she will build a new toilet for the whole family.

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
  • 213
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Sem to purchase some pipe and a water pump for her crops.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 27, 2010
Feb 1, 2011
Currency Exchange Loss:
Nov 15, 2011