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Chroek is 55 years old and married, originally from Ponhea Lueu district, Kandal province.

To earn a livelihood, she rents a small space in a local market for selling fresh fish she buys from the suppliers. She has been in this business for almost three years, earning about US$ 6 per day. She aims to increase her sales and doubles her income in order to satisfy her living needs and place her school-aged children in a good university after their graduation.

As of now, she is taking out a loan in the amount of US $1,200 to make some home improvements, as her home has deteriorated over the years. And she also will use another portion of the loan to invest in her fish-selling business.

She believes that, through the loan help, she will provide her family members with a comfortable life style.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $41,847,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Chroek to make some home improvements, as her home has deteriorated over the years.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Oct 20, 2013
Currency Exchange Loss:
Sep 17, 2014