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So is 35 years old and married with four children who still depend on her income. She owns a farm where she plants and harvests rice and cassavas sell. She has managed farming for almost 10 years. Thanks to her business and perseverance, she is able earns a net profit of KHR 20,000 per day to support her family. Her challenges include the change in prices and the cost of farm inputs applied to maintain the crops.

So has been a client of MFIs or state banks before. This will be her first Kiva loan through HKL to help her improve her production. She is now asking for a loan of KHR 3,000,000 to buy seeds, fertilizers, and herbicides that she will apply in growing crops. With the support of the loan, she hopes to have an abundant harvest in the near future.

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
  • 113
    View loans »
    Cambodia Loans Fundraising
  • $41,451,425
    Funds lent in using Kiva
  • 4,095.5
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped So to buy seeds, fertilizers, and herbicides that she will apply in growing crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 26, 2013
Aug 22, 2013
Currency Exchange Loss:
Dec 17, 2013