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Cultivating rice is part of 38-year-old Mrs. Pok's daily routine in Prey Chor district. Rice is an essential product, vital to Cambodian people. She learned to grow it from her grandmother and she is very widely known in this sector since before she was married. Her husband, Mr. So, assists her with the farm work as well as providing horse cart services in the marketplace. They have four children, one of whom is employed as a garment factory worker and has a formal salary to contribute to the family's financial expenses.

Mrs. Pok will be using her loan to help her husband to buy a new horse in place of the old horse which is becoming older and older and cannot support her husband in transportation services well. She will use any remainder of the loan to buy insecticides, fertilizers, and seeds for planting. Mrs. Pok, her husband, and their two young kids appear in the photograph together.

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
  • 230
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • 4,115.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Pok to buy a new horse to replace their old horse and also buy insecticides, fertilizers, and seeds for planting.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2011
Aug 1, 2011
Currency Exchange Loss:
Feb 15, 2012