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Pen is 51 years old. She is married and has seven children, four are married and three are single. She owns and operates a business from her house, which is located in Baray district, Kompong Tom province. She sells a variety of merchandise like packaged noodles, canned food, groceries, beverages, biscuits and other similar things. She is friendly and builds good relationships with her customers, which is why they prefer to use her products. She typically earns around $2 per day from this business, while her husband works in the rice field to provide enough income to sustain the family.

Pen would like to request some funds from HKL and Kiva to buy stock of merchandise such as biscuits, shampoos, personal care products and home use product to refill her shop. With this loan, Pen will be able to sustain and further improve her business. With the remaining funds, Pen will pay for harvesting fees to support her husband's business.

Pen hopes that through her determination and effort, she can lift her family out of poverty someday.

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
  • 73
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 3,990.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Pen to buy merchandise to stock her store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2012
May 1, 2012
Currency Exchange Loss:
Feb 22, 2013