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Pen, aged 54, is crop grower who lives in Baray district, Kompong Tom province. She is married to a humble man, and they have three children — two single children and one married child.

Pen and her husband primarily cultivate rice on their 2-hectare farmland, which allows her to cover her daily costs. However, the main source of income is generated from a firewood-trading business operated by Pen’s husband. He typically earns approximately 40,000 KHR (Cambodian riels) per day. Pen’s husband can manage this business well because he has enough tools like a chainsaw and a buffalo-pulled trailer for transporting firewood to the marketplaces.

Last time, Pen bought a plowing machine on credit for completing her farm work on time. And now she has to pay back the outstanding balance. That is why she would like to acquire a loan of 700 USD from HKL and Kiva. She hopes that lenders will give this loan to her so that she can pay back her supplier and completely possess a plowing machine. She hopes that she will be able to improve her business and attain a better 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
  • 54
    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 $700 helped Pen to pay for the outstanding balance from the purchase of a plowing machine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 12, 2012
Aug 14, 2012
Currency Exchange Loss:
Jul 25, 2013