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Lay, a 48-year-old married woman and mother of five children, two of whom are already married, lives in the Baray district with her family and works as a local farmer there. She, together with her spouse, grows rice and red corn on their existing farmland to yield income for the family. Lay has been in this business for over 10 years and normally she can earn in the vicinity of 30,000 KHR per day.

To start growing red corn for the upcoming season, Lay needs additional capital for the purchase of farm supplies. She is therefore requesting a loan of 2,500,000 KHR to pay for seeds, fertilizers, and pesticide spraying. Recognized as an honest and VIP client, Lay has received five previous loans from HKL. She hopes that this investment will help in developing her business and improving her living conditions.

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
  • 4,066.5
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Lay to pay for seeds, fertilizers, and pesticide spraying.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Aug 16, 2012
Currency Exchange Loss:
Sep 17, 2013