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Phy is a resident of Baray district, where she peacefully lives with her spouse and four unmarried children. She is 39 years old. To earn a living, Phy devotes herself to farming rice and fishing, the income from which allows her to cover her daily costs and support her children’s education. She has been in these businesses for more than 10 years with great support from her husband. Phy and her husband want to invest their earnings in an animal trading business. Due to a lack of additional capital she has applied for a loan of 1,500,000 KHR to purchase a couple of cows. She will fatten them for a short time before selling them to butcher. This loan will allow her to make her business viable and profitable in the future. She hopes to earn a better income to support her 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
  • 68
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • 4,062.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Phy to purchase a couple of cows for fattening.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 27, 2012
Sep 3, 2012
Currency Exchange Loss:
Jun 26, 2013