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Koem is a widowed woman who has been residing in Kampong Chhnang province, Cambodia. She is 51 years old and has four children; three are single and one is married. She supports her children through her rice farming business. She has been operating this business for over 30 years. However, the income seems barely enough to cover her daily expenses.

Koem is experiencing difficulties in doing her farming due to the lack of animals for plowing the soil. To deal with this matter, she would like to take out a loan of KHR 1,000,000 to add to her capital to purchase cows for farming purposes. She hopes to better her living condition gradually and raise her family out of poverty some day.

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
  • 61
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • 4,088.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Koem to purchase cows for farming purposes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 25, 2012
Jun 12, 2012
Currency Exchange Loss:
Jan 23, 2013