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Pen, age 42, lives with her husband and six children in Baray district, Kompong Tom province.

She cultivates rice crops and takes some time to sell fresh fish in a local market for her livelihood. She earns approximately $1.50 per day to cover her daily expenses.

This is her second loan from Kiva and forth loan from HKL. Pen would like to borrow this loan to build a store and start selling groceries in her neighborhood. And with the remaining funds, she will buy a pair of tires for her plowing machine.

She hopes that she will be able to improve her business and lead her family out of poverty.

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
  • 112
    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 $1,200 helped Pen to build a store and start selling groceries in her neighborhood.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 20, 2011
Jan 13, 2012
Currency Exchange Loss:
Jun 20, 2013