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Lor is 55 years old and widowed. She has been working as a seamstress for more than 20 years. She provides sewing services and restores clothes, robes and outerwear to local people in her commune. She is able to make an average of 7.00 USD per day through her business. Lor presently lives with her only son and her younger sister in her own house located in Phnom Penh city.

To improve her business as well as her living condition, Lor is taking out her first loan from HKL to renovate her present house and purchase raw materials for her sewing business such as cloth, thread and buttons. Her business goal is to enlarge a medium seamstress store and purchase additional sewing machines and other machines that have different functions to achieve her dream.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 111
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Lor to renovate her present house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 13, 2012
Apr 17, 2012
Currency Exchange Loss:
Jan 17, 2014