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Lay is 57 years old and a humble villager living in Prey Chor district, Kompong Cham province. She lives there with her spouse, 65, and six children, most of whom are already married. Lay has been dedicated to a rice farming business for over 30 years. The professional skills she has were passed down by her ancestors from generation to generation, which enables her to keep developing this business while she operates it.

Lay used to have animals to maintain her rice field, but they were too old for the tasks. She sold them for money and she plans to buy a couple of young, strong cow instead. Due to the shortage of funds, Lay has requested additional capital of USD 800. She strongly believes that, through the help of the loan and her perseverance, she will uplift her family out of poverty and pursue a good standard of living.

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
  • 66
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Lay to buy a couple of cows for farming.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 28, 2012
Aug 5, 2012
Currency Exchange Loss:
Jun 26, 2013