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Pen is a 69-year-old woman who has been residing in Kampong Chhnang with some of her children. She has four children who are married and have independent lives. Pen is involved in a retail business from her village to generate a livelihood. From her store, she sells Khmer natural medicines, false jewelry, personal care products, and other miscellaneous things to local people in her neighborhood. Pen wants to experience progress in financial matters and upgrade her living status someday.

As of now, Pen would like to increase her stock of merchandise for a constant sale. In connection with this, she is asking for a loan of 1,000,000 KHR to buy Khmer natural medicines and false jewelry from her frequent suppliers for her retail business. She hopes that through her loan, she will be able to make her business more profitable.

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
  • 112
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • 4,067.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Pen to buy Khmer natural medicines and false jewelry.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 30, 2012
Sep 3, 2012
Currency Exchange Loss:
Aug 17, 2013