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Toem is 39 years old and a resident of Baray district of Kompong Tom province. She became a mother of three children who all are attending school and still are in need of her daily allowances.

To support her children’s education, Toem and her spouse help each other in maintaining their farm work. They grow rice, potatoes, and beans for sale each cropping season. At the same time, Toem also devotes her spare time to a fruit selling business, which has been operating in a local market of her community.

In order to make her business more viable, Toem would like to take out a loan in the sum of KHR 2,000,000 to purchase a used motorcycle, which will be used to support her in her business. It will be easier for her to get access to the marketplace. It will take part in developing a better business and make it more profitable in the future.

She wishes to educate her three children at a minimum of high school level.

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
  • 76
    View loans »
    Cambodia Loans Fundraising
  • $41,788,200
    Funds lent in using Kiva
  • 4,105.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Toem to purchase a used motorcycle which will be used to support her in her fruits and vegetables selling business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 14, 2012
Jul 14, 2012
Currency Exchange Loss:
May 25, 2013