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Nhem S. is a low-income entrepreneur who earns a living by planting and harvesting rice crops on her farmland. She is able to earn about $2.50 per day from her farming business to help provide for the needs of the family. Nhem S.’s husband is a fisherman who catches and sells fish from the river near his village.

Nhem S. will use her loan to purchase a piece of fertile farmland, which will allow her to enlarge her crop-growing endeavors during the time that her existing land is fallow.

She and her husband have a baby (shown in the picture) and two children enrolled in school.

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
  • 76
    View loans »
    Cambodia Loans Fundraising
  • $41,806,325
    Funds lent in using Kiva
  • 4,062.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Nhem to purchase a piece of fertile farmland in order to expand her farming business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 7, 2011
May 6, 2011
Currency Exchange Loss:
Nov 15, 2011