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Phum's Group
In this Group: Phum, Phum, Chhun, Chhun
Phum is the leader of a group of borrowers consists of four members. Phum is a widow, mother of three children: all of them are students. She sells different kinds of vegetables such as cucumber, tomato, potato, salad, chili, etc. and she has been in this business for more than four years.

Phum has a lot of customers who always buy her vegetables in bulk because she is famous for her polite attitude. She also plants some vegetables behind her house.

Recently, Phum asked for a loan to buy fertilizer for her plantation. The other three group members are: P., 55, who sells vegetables in the local market; looking for a loan to buy more vegetables for selling. S., 58, who owns a plot of land for growing crops, is asking for a loan to buy a bicycle for her son to travel to school. R., 36, who sells vegetables, is taking a loan to invest in her business. They all live in the Siem Reap Province, Cambodia.

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
  • 74
    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 portion of Phum's Group's $650 loan helped a member buy fertilizer for her plantation.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 16, 2009
Apr 1, 2009
Currency Exchange Loss:
Oct 15, 2009