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Mrs. Saing, 25, is a farmer and pig-raiser. She lives in Baray district of Kompong Cham province. She has a common-law relationship with her husband who provides a trailer-motorcycle service in and around the community. Together, this couple is able to earn a good income of $15 per day from their businesses. With this income, Saing has saved some money and kept it for using in a future business.
Saing is a smart and hopeful housewife who always takes care of the family and maintains her business growth. With a loan of $1,200 from HKL, Kiva’s partner, Saing will buy a rice-husking machine that can be used in the family. Furthermore, she will be able to provide a rice-husking service to local villagers in exchange for money, or she can buy rice with outer cover at a low price from local farmers, and then start husking its cover for sale at a profitable price. In the future, Saing hopes to provide her child with great opportunities and the chance to join a university in Phnom Penh.
The picture shows Saing in front of a thatch house, with her son and two nieces.

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
  • 195
    View loans »
    Cambodia Loans Fundraising
  • $39,989,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Saing to buy a rice-husking machine.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 22, 2011
Currency Exchange Loss:
Jun 17, 2013