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Ten is 26 years old and a single woman. She has a low education due to financial constraints in her family. She decided to become involved in the farming business to earn a livelihood in Kompong Cham province. She plants rice and mung beans and sells them to local traders after harvest season. She is very hardworking and aims to move ahead in her business. She has been engaged in farming for over five years. Thanks to her business, today she is able to earn a net income of KHR 40,000 per day.

In order to help her maintain her crops, she has requested a loan in the amount of KHR 2,500,000 to buy farm supplies and pay laborers for land preparation. She wants to use the earnings from the loan to reinvest into her business and achieve a stable financial situation.

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
  • $41,424,450
    Funds lent in using Kiva
  • 4,095.5
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Ten to buy farm supplies and pay laborers for land preparation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 22, 2013
Aug 21, 2013
Currency Exchange Loss:
Apr 16, 2014