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Sao's Group
In this Group: Sao, Seur, Khiev
This small loan group is made up of three borrowers shown in the picture. The group leader, Mrs. Sao is 53 years old. She sells rice soup and Khmer cakes in a small kiosk next to her house, and earns an average of US$ 2.50 profit per day. In addition, for years she has been planting rice crop on her farmland. Mrs. Sao is a widow and a mother of six kids. Three of them are single and the other three are married. Two of them work as a driver and at the garment factory. Mrs. Sao relies on their income to help with the family expense. Mrs. Sao would like a loan in order to buy fertilizer for her rice crop. This will provide her with additional income to meet her family’s needs and provide more financial stability.

The two other borrowers are:
Mr. Seur who is asking for a loan to buy two sacks of fertilizer for her crop.
Mrs. Khie, is a domestic rice farmer and fish seller, who is applying for a loan to pay for plowing cost.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Cambodia

  • $2,600
    Average annual income
  • 71
    View loans »
    Cambodia Loans Fundraising
  • $41,838,300
    Funds lent in using Kiva
  • 4,115.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sao's Group's $625 loan helped a member to buy fertilizer for her crop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2011
Aug 1, 2011
Currency Exchange Loss:
Jul 15, 2012