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Nao is a determined and responsible woman who strives to work hard to give her family a better quality of life. She is 45 years old and has only one child. In the rainy season, she devotes at least eight hours daily working in her rice paddy to ensure a fruitful harvest. However, she doesn’t possess enough land to grow each year. She had just rented a piece of land from local residents in order to maintain a high rate of her rice products and gain more income.

Due to financial difficulties, she is asking for a loan of USD 500 to pay land fees. She realizes that this financial assistance will surely make improvements in the business and earn her good revenue. Her dream is to educate her child up to college, so he might be successful in his lifetime.

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
  • 237
    View loans »
    Cambodia Loans Fundraising
  • $40,040,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Nao to pay land fees for rice farming.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 12, 2013
Currency Exchange Loss:
Feb 19, 2014