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Mr. K. Chem, 46, and his wife, Mrs. Phal Sok, 45, were married in 1983 and have three children: one son and two daughters. One of their children has full time employment and the other children study in the local school. The family lives in the small village of National Road Number Two, about 20 kilometers south of Phnom Penh, the capital city of Cambodia.

K. has been growing rice and vegetables since he was married and started another business raising cows and chickens. Mrs. Phal Sok has been a garment factory worker for one year. The couple wants to repair their house to make it bigger and more comfortable, because their old house is small and broken in some parts. They don’t have enough money to repair it, so K. is requesting a loan of $800 to purchase wooden materials and zinc to make the repairs.

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
  • 268
    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 $800 helped Chem to purchase wooden materials and zinc for house repair.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 15, 2009
Aug 4, 2009
Currency Exchange Loss:
Apr 15, 2010