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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.

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
  • 207
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • 4,038.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Sem to purchase merchandise to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2012
Feb 14, 2012
Currency Exchange Loss:
Feb 22, 2013