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Sum is 28 years old and married, with four children. All of her children are studying in local schools.

Her spouse is the main income provider of the family, operating a firewood-trading business in their neighborhood, where he can generate a good income of 24,000 KHR per day. Also, he distributes his firewood to the marketplaces by using a plowing machine with a trailer attached at the back.

Sum doesn’t want to utterly depend on her husband’s income, so she devotes herself to crops and pig husbandry from her village.

Their plowing machine was broken, so the firewood-trading business has been stalled for a moment. This has cut their income badly.

With regard to the situation, Sum has applied for a loan of 2,000,000 KHR to purchase spare parts for their plowing machine and also pay the repair costs.

Sum hopes to receive this loan as her third cycle loan through HKL. She successfully repaid the two previous loans.

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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,070.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Sum to purchase spare parts for her plowing machine and pay for repair costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 25, 2012
Sep 2, 2012
Currency Exchange Loss:
Aug 17, 2013