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Mrs. Smas lives in a common law relationship and has six children. Three of them are married and live independently in new homes. She and her husband are in the same business. They work together selling household supplies in a local market of Phnom Penh.

They sell items like plates, dishes, large bowls, plastic baskets, frying pans, pots, casseroles, etc. They have operated this business for 11 years and it produces a good profit for their family. They normally earn approximately $8 US per day to satisfy the family's needs.

Smas is seeking a loan from HKL and Kiva to purchase additional merchandise to sell in the market. This loan will sustain and improve her business in the future. She hopes that she'll be able to make more profit and gain a good quality of life.

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
  • 105
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Smas to purchase additional merchandise to sell in the market.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 5, 2011
Nov 3, 2011
Currency Exchange Loss:
Aug 15, 2012