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Sam S., 42, is a villager from Pursat province, where he cultivates rice to earn a living. He puts in two rice crops per year on farmland inherited from his grandparents. Besides his farming business, he also has a job as a requirement worker. His wife works with him in the field as well as raising animals for sale. The family lives with one teenage child who is a student in the local public school.

Because farming is the family's most important source of income, they are looking for a loan in order to buy 3 water buffalo. This will help with the hard physical labor of plowing the fields and they can make additional income by hiring out to other farmers.

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
  • 103
    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 $1,000 helped Sam to buy 3 water buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 17, 2009
Apr 2, 2009
Currency Exchange Loss:
Apr 15, 2010