A loan of $500 helped to purchase merchandise to sell.


Sem's story

Sem is a 52-year-old married woman who operates a retail business in her neighborhood for an extra profit. She sells many types of products to satisfy her customers including sweets, groceries, canned foods, biscuits, household things, etc. She is a mother of six children. Two of her children are single and live together with her in Prey Chor district of Kompong Cham province.

Recently her store has run out of supplies. Therefore, Sem has applied for a loan from HKL and Kiva to purchase merchandise to maintain her business and support its growth. She hopes that our lenders won’t reject her first loan, which will be used to improve her business.



Loan details


Lenders and lending teams



Loan details