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Um is a businesswoman who earns a living by planting crops as well as selling some fresh fish and other items in her community. She can make around $2.7 a day to cover the whole family’s needs. Her husband works as a policeman and he has a set salary every month. They are blessed with three children who study in the local school in the Baray district of Kompomg Tom Province.

She has had great success growing crops and she is able to plant the crops at least twice a year by following both rainy and dry seasons. The coming rainfall is good for her crop. However, Um doesn’t have capital yet to use on her farm. So she is looking for a loan to use toward purchasing fertilizers, insecticides, a plowing machine and seeds for planting.

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
  • 109
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,080.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Um to purchase fertilizers, insecticides, a plowing machine and seeds for planting.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 19, 2011
Jul 1, 2011
Currency Exchange Loss:
Feb 15, 2012