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Mrs. Ruos is a 28-year-old married woman who resides in Ang Snoul district. She has been blessed with two children who attend a local primary school. To earn a living, Mrs. Ruos works in a garment factory, sewing.

Presently in parts of her neighborhood, there is a water shortage. On a daily basis the villagers need to go and get their water from a place where there is a source of water. Mrs. Ruos sees that there is a good opportunity to make a business providing water transportation services to those people.

Therefore, Mrs. Ruos would like to borrow funds from HKL and Kiva to purchase a trailer and a large metal container to start providing her service to the people in her commune. She will use a part of her loan to buy a used motorcycle to satisfy the whole family as well.

She will save the income she generates from the business to ensure a brighter future for her children.

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
  • 154
    View loans »
    Cambodia Loans Fundraising
  • $41,468,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Ruos to purchase a trailer and a large metal container to start providing a water transportation service to the people in her commune.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 6, 2011
Jan 5, 2012
Currency Exchange Loss:
Feb 22, 2013