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Koemsrauy, a 22-year-old married mother of four, lives in the rural village of Chrey Vien, Prey Chho, Kampong Cham province. Residing with her father, mother, husband and children, Koemsrauy earns a living by farming rice alongside her husband in their village. Her income is spent on their food, home bills, school allowances of their children, and other costs of commodities. For many years she has earned well from her farm, and it helps her family a lot.

Koemsrauy plans to improve her business by expanding her farming area. She is therefore requesting a loan of USD 1,100 to buy another plot of land. Through increased production and income, Koemsrauy will be able to provide a better life for her children.

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
  • 68
    View loans »
    Cambodia Loans Fundraising
  • $41,753,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Koemsrauy to buy a plot of land for growing rice.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jan 29, 2014
Feb 28, 2014
Currency Exchange Loss:
Aug 17, 2015