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Im is a humble resident of the Baray district of Kompong Tom province. He'd husband is a public school director earning a decent salary and they have two school-age kids. Im herself is involved in agribusiness to help her husband in generating income. She grows and harvests rice crops during two seasons of the year.

It is now the season for Im to start growing during her dry-season as usual. However, Im is experiencing financial difficulties in paying for the farming process. She will use her loan funds to buy such items as rice seeds, fertilizers, and pesticides. She will use part of her loan to pay for plowing.

Im is very hopeful about her future and proud of her life as a rice cultivator. With the increased income, Im will increase her savings in order to expand her business as well as to enable her to provide her children with a full education.

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
  • $41,521,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Im to buy rice seeds, fertilizers, and pesticides and to pay for plowing.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 25, 2012
Mar 4, 2012
Currency Exchange Loss:
Apr 19, 2013