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Kanharath, aged 20, comes from a rural village in the Tram Kak district, Takeo province. Recently, she has begun temporarily living with her aunt in Phnom Penh because she is attending Cambodian Mekong University, majoring in marketing. This is her second academic year at university and it’s time for her to pay her tuition fees again in order to start her course.

Due to insufficient money, Kanharath would like to borrow a loan amounting to 700 USD to pay for her university tuition fees. As her education is being subsidized by her parents, she aims to have a part-time job to help her parents share the costs of living and pay for her university fees. Kanharath is very happy and grateful for the loans funded via programs like Kiva that enable poor students to pursue a higher education, and contribute to the future development of Cambodia.

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
  • 206
    View loans »
    Cambodia Loans Fundraising
  • $39,926,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Kanharath to pay for her university tuition fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 29, 2013
Currency Exchange Loss:
Nov 17, 2014