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Sao's Group
In this Group: Sao, Koeus, Mai
P. is the leader of a group of three borrowers. She is the mother of three children; all of them are students. She is married to Oliryae, 41, who works as a teacher in a secondary school. P. has been selling several kinds of sweets in the market since 2002. She is good at making a tasty sweet and she earns a good income for her family. She now wants to upgrade her transportation. So she is taking a loan to buy a tourist car for her and her family. The other group members are S., 34, who works in the hospital as a cleaner and is applying for a loan to buy a water pump for her husband's farm; and M., 48, who sells vegetables in the market and is looking for a loan to invest in her business. They all live in Battambang Province, Cambodia. P.'s granddaughter is also in the picture.

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
  • 142
    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 Sao's Group's $600 loan helped a member to buy a tourist car for her and her family.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 18, 2009
Mar 21, 2009
Currency Exchange Loss:
Dec 15, 2009