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Sao S. is a 50-year-old widow and local villager living in Phnom Penh City. She owns a piece of farmland that she inherited many years ago from her grandparents. She uses this land to grow vegetable crops for both dry and rainy seasons and she always gets good results because she has had experience in this sector since 2000. Sao S. typically generates an income of around $3 US to support the family.

Sao S. has two children; one is married and the other is single and works as a seamstress. Sao S.’s daughter doesn’t have her own vehicle to ride to her job location; instead, she hires a motor taxi. To reduce the cost of traveling expenses, Sao S. is applying for a loan for her daughter to purchase a secondhand motorcycle. She hopes to use the remainder of the loan to invest in planting vegetables.

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
  • 112
    View loans »
    Cambodia Loans Fundraising
  • $41,424,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sao to purchase a secondhand motorcycle for her daughter to ride to work.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 28, 2011
Mar 1, 2011
Currency Exchange Loss:
Oct 15, 2011