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Mr. Sam-ol O., age 30 and his wife. Soknhoem Um, age 31, live in a small village along national road number four approximately 20 kilometers from Phnom Penn City. They have been married since 2003 and have one son and one daughter.

Sam-ol has been renting a space of house to garment factory workers for 3 years. Because his house located near garment factory, it’s good for him to operate the business. His wife has been selling grocery for almost 2 years.

Sa-ol needs to build more rooms to respond his customer’s needs so he is applying for his first loan of $1,200 to make the building.

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
  • 252
    View loans »
    Cambodia Loans Fundraising
  • $37,502,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sam-Ol to build more rooms to rent.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Aug 27, 2009
Oct 1, 2009
Currency Exchange Loss:
Feb 15, 2010