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Oudomphaktra was born in a family farm in Takeo province. His parents are junior high school teachers and also farmers. This year Oudomphaktra just freshly graduated from high school in his hometown province. Oudomphaktra wants to continue studying at a nursing college in Phnom Penh. He is interested in the midwifery subject and wants to specialized in this. Due to the high cost of education, Oudomphaktra decided to request a loan from HKL, a reliable MFI that provides a long-term grace period on principal. His first academic course costs 1,000 US dollars.

Oudomphaktra is committed to studying hard with the loan funded because he realizes that an education will give him the opportunity to get a high-paying job that will allow him to support his parents when they get older. Though he is the borrower of the loan, his parents, who are not included in the picture, will be responsible for the principal repayments, so during his studies he plans to find part-time work in order to help his parents repay the loan.

Oudomphaktra appreciates the help of people all around the world who have contributed to programs like Kiva via its partners HKL which have supported his education as well as other students.

Additional Information

More information about this loan

This loan is part of HKL's new higher education loan program, designed to help students pursuing university degrees to afford tuition and other school-related expenses. Through this program, HKL expects to increase the number of Cambodians with access to higher education and better-paying jobs. Ultimately, it aims to reduce poverty and aid economic development in Cambodia. HKL has designed this loan product to meet student needs including a lower interest rate, grace period on principal while the student is in school, and longer loan term.

Please be advised that this loan might carry a grace period while the student is in school that may result in a lengthy loan term.  Please refer to the Repayment Schedule before making this loan.

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
  • 55
    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 $1,000 helped Oudomphaktra to pay for his tuition fees at the university.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
At end of term
Sep 23, 2013
Oct 30, 2013
Currency Exchange Loss:
Apr 17, 2016