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Oy, a 22-year-old father of a lovely young child, is a primary school teacher in a local school in Ang Snoul district of Kandal province. He teaches small children between the ages of 5 and 7. He has been in this occupation for two years. He is married and his wife is employed as garment worker in order to help earn an income for the family.

Due to the far distance between his house and school, Oy has to pay for transportation costs daily to reach his workplace. This causes him to spend a lot of money. To solve this problem, he has requested a loan of 600 USD to purchase a used motorcycle for commuting. He hopes that he can increase his savings to improve his standard of living and to use for future emergencies of the family.

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
  • 53
    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 $600 helped Oy to purchase a used motorcycle for commuting.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2012
Aug 15, 2012
Currency Exchange Loss:
Aug 17, 2013