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Koam's Group
In this Group: Koam, Brak, Noun, Von, Chhen
Mrs. Koam C. is the leader of this five-member group of borrowers who all live in the Nokor Tom Commune of Siem Reap Province. Koam C. is a 30-year-old widowed mother of four children, who are all single and going to secondary school. She currently works as a domestic construction worker. As another income source, she also cultivates rice on her own farmland in the village. She works hard every day at her business activities because she wants her children to get the highest education in the future. The family's living conditions are not comfortable because their house is lacking parts, hence Koam C. is asking for a loan to buy wood to repair her house.

The other four borrowers are: M., who sells different kinds of groceries from home and requests a loan to decorate her house; M., a construction worker applying for a loan to repair her old house; V., who sells soft drinks in bulk and seeks a loan to increase her stock of soft drinks; and S., who sells beef from home and is looking for a loan to enlarge her business operation.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 160
    View loans »
    Cambodia Loans Fundraising
  • $41,452,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Koam's Group's $1,400 loan helped a member to buy wood to repair her house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 19, 2009
Mar 22, 2009
Currency Exchange Loss:
Feb 15, 2010