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Mrs. Chhem is a 45-year-old married woman who has three children: two of them are married and live independently and another child is single. She is a hardworking woman and provides her family with a good living situation.

Presently she is working as a sewing factory worker in Phnom Penh city where she can earn enough salary for each month. For an upgrade to their standard of living, she needs to request some funds from donors. The purpose of her loan is to purchase a cow. She hopes that this business will help her family gain additional profit.

She is very thankful to all kind lenders that help her family. In the future she is expecting to open a grocery store in front of her house, and to have a comfortable house.

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
  • 108
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,055.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Chhem to purchase a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 24, 2011
Oct 2, 2011
Currency Exchange Loss:
Jun 15, 2012