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El M. was born in 1970 and has been living in Phnom Penh City for years. She presently works as a garment worker in the garment factory, which is located near her house. She usually works for eight hours per day with a specific salary of $80 a month to manage her family's living expenses and especially to make sure her three children, who are students, receive the highest educations.

Her husband helps support the family by fishing in and around the public lakes. The family's living conditions are not comfortable because their house has some broken parts and the polluted environment. Therefore, M. has requested a loan to repair her house and proposes to use the remainder of the loan to buy a boat for her husband's fishing.

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 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
  • 37
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped El to repair her house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 3, 2009
Apr 12, 2009
Currency Exchange Loss:
Jan 15, 2010