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Shoy lives in the Kompong Speu province. To make a living, she has planted crops on her farmland, with her husband for the past twenty years.

They can typically profit about $5 a day and that helps to cover their family’s needs. They are blessed with four children; two are studying and one is a young child who lives under their care. Another is employed as a foreman in the construction field.

This is the rainy season and a good time for the couple to start a new crop, but their cow is too old and it cannot plow any longer. Because of a lack of funds, Shoy and her husband request a loan to purchase a new cow.

Shoy hopes to expand the size of her house and send their children to school through at least high school. Shoy is very happy and thanks the lenders who made her first loan possible.

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
  • 141
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • 4,075.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Shoy to purchase a new cow for replacing the old one.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 31, 2011
Oct 2, 2011
Currency Exchange Loss:
Sep 15, 2012