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Phat is 33-years-old, married and has five children. She reside in her own home in Kompong Speu province. She has dedicated herself to agriculture, sowing rice, an occupation she learned from her parents. Phat has been involved in this for almost 15 years. She owns just a few pieces of farmland which are not far from her home. However, she cannot earn enough to provide for their needs, mostly just for their daily food.

The loan she needs will make it possible for her to invest in purchasing farming materials and hiring people to help work on their farm. She will buy fertilizer, herbicides, pesticides, insecticides, and seeds. This will help her increase her rice production and earn a higher income.

Her dream is to strengthen and expand the business, and offer her children a better quality of life.

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
  • 170
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 3,992.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Phat to purchase farming materials and hire people to help work on her farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 19, 2013
Currency Exchange Loss:
Jun 17, 2014