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Mr. Pan H., 53, is a farmer as well as veterinarian in his village and earns around $5 per day. His wife, Mrs. Ea Sok, 47, is a farmer and earns around $3 per day. Together they have five children and live in Rokar Village, Kampong Thom Province. In order to expand their farming business, H. is requesting a loan of US$ 600 to purchase two oxen to use for their farming business. The loan will allow him to expand the farming business and increase the family’s income through reducing the cost of oxen rental.

About Hattha Kaksekar Limited (HKL):

HKL is one of Cambodia's largest and most successful microfinance institutions (MFIs). It is committed to helping its clients achieve their business goals by providing sound financial services, and thereby hopes to contribute to the social and economic development of Cambodia. HKL specifically targets women and poor families in order to help them achieve increased financial security and quality of life, by offering various credit programs and encouraging savings. In accordance with its mission and its commitment to operational and financial sustainability, HKL contributes part of its net profits every year to support social development in education and healthcare.

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
  • 212
    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 $600 helped Pan to purchase two oxen to use for his farming business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 5, 2008
Aug 21, 2008
Currency Exchange Loss:
Aug 15, 2009