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Ngin, age 59, is married and has three children, two of whom are attending school. Ngin is a hardworking man who owns and manages one and a half hectares of farmland to generate his major source of income. He has been cultivating rice for over 30 years with his wife, and he is an expert in his farming practices. Ngin plans to increase the volume of his rice production by purchasing extra farmland in the next few years, as he tries hard to achieve his three-year goal.

Ngin would like to ask for a loan from HKL and Kiva to purchase fertilizer and insecticide for his crops. Through his patience and hard work, he believes that he can better his income and provide a good living standard for his family. Moreover, he aims to keep supporting and offering good opportunities for education to his two school-age children.

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
  • 4,072.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Ngin to purchase fertilizer and insecticide for his crops.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jul 10, 2012
Aug 11, 2012
Currency Exchange Loss:
Mar 21, 2013