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Phally S. is 28 years old, and she is a farmer who lives in Orsvay Commune, Kampong Cham Province. She is married to Mr. Kong Hoeun, and she has two children. Notably, her husband is also a farmer. In fact, Phally has been farming with her husband since 2000, and they typically generate a combined income of US$3.00 per day.

For another source of income, Phally is seeking a loan in the amount of US$1,100 to purchase oxen to breed and to then resell for a profit. As for her future plan, she wants to run a business of exporting oxen to other country.

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
  • 53
    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 $1,100 helped Phally to purchase oxen for breeding purposes and to resell them for profit.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 7, 2008
Oct 23, 2008
Currency Exchange Loss:
Jun 24, 2010