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Mr. Heng S. is 36 years old and his wife, Mrs. Noem Phany, is 25. They live in a small village across the Mekong River about fifteen kilometers north of Phnom Penh, the capital city of Cambodia. They were married in 1998 and have two daughters. The eldest daughter is in school and the other one is still young.

Heng has been a full-time employee in a company in Phnom Penh since 2006. His wife has been a farmer since 1998. She grows many kinds of vegetables in her village, such as cucumbers, lemon grass, and ridye gourds. The couple want to repair and put additions on their house to protect it from rainwater but they don’t have the money they need. So Heng is asking for his first loan of $500 to use for this purpose.

Additional Information


MAXIMA Mikroheranhvatho is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.

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
  • 278
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Heng to repair his house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 5, 2009
Jun 9, 2009
Currency Exchange Loss:
Mar 15, 2010