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Chem, a widow, sells grocery items and fish in a market of Kompong Speu province, generating a suitable income to apply to her daily consumption, especially for food. She has been operating in this field since 2000.

She is 47 years old and a loving mother who takes care of eight children. Seven of her children have been married already. None of them are studying, but they are all employed in various kinds of careers.

Chem is now asking for a loan through HKL, a successful microfinance institution, to refill her inventory and purchase fish for her business. Hopefully, Chem’s profit will increase when her store has more customers.

For her future goal, Chem wishes to expand her store and increase her stock of inventory to satisfy her customers.

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
  • 143
    View loans »
    Cambodia Loans Fundraising
  • $41,481,900
    Funds lent in using Kiva
  • 4,000.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Chem to refill her inventory and purchase fish for her business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Dec 1, 2012
Currency Exchange Loss:
Feb 19, 2014