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Mat is 43 years old and married to a resident of Kampot province. They live together with their three single children there. Mat and her husband help each other in their farm work, growing and harvesting rice annually. Mat’s profit seems not enough to cover her daily expenses, so she sometimes has financial constrains in living. Mat discussed with her husband regarding a way to upgrade their standard of living. As a result, they aim to handle an animal trading business by purchasing cows from the local area and then trading to another.

Due to the lack of capital to invest in their new business (animal trading), Mat decided to take out a loan from Kiva and HKL to purchase cows for trading purpose. Through this business, Mat hopes that she will be able to improve her household income, which will be used to satisfy their living needs and their children’s education.

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
  • 111
    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 $1,000 helped Mat to purchase cows for trading purposes.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 16, 2012
Aug 17, 2012
Currency Exchange Loss:
Oct 17, 2013