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Kim's Group
In this Group: Kim, Oem, Min
N. is 41 years old and is the leader of a group that consists of three members. She has one child who is studying in grade 9. N. has been selling jewelry since 1993; at first she started this business in her home and after that, she could afford to own a shop in the market. She is a very clever businesswoman; she imports her products from various places around the country and sells the jewelry in bulk to customers from the city.

N. now wants to sell wholesale: she would buy the jewelry in bulk from the field and then take it to Phnom Penh, the capital of Cambodia, herself. Doing that, she can earn a good profit. So N. is applying for a loan to buy more jewelry for her shop.

The other members of the group are:

C., 41, who sells soft drinks and is taking out a loan to buy a sugar cane juice machine for her business; and

N., 49, who is a local construction worker and is taking out a loan to buy more construction materials for her work.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Cambodia

  • $2,600
    Average annual income
  • 145
    View loans »
    Cambodia Loans Fundraising
  • $39,838,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Kim's Group's $1,000 loan helped a member to buy more jewelry for her shop.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 4, 2009
Mar 7, 2009
Currency Exchange Loss:
Feb 15, 2010