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Many Cambodians make their living as farmers. One of them is Phin, who is 44 years old and has been working in this sector since 1998. Currently, Phin and her husband grow rice on farmland that they inherited from their grandparents. Phin is able to earn about 2 USD per day. This humble couple has two children, one of whom is school-aged and another who works in a Phnom Penh factory as a garment worker and earns a low monthly salary.

The couple planted rice during this growing season but it is not doing well due to crop disease and the lack of fertilizer. Because of this, Phin and her husband are requesting a Kiva loan to purchase fertilizer and insecticide. Their increased income will improve the family’s standard of living. Phim is very thankful to all the lenders that help her family.

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
  • 74
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Phin to purchase fertilizer.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 12, 2011
Sep 1, 2011
Currency Exchange Loss:
Sep 15, 2012