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Mrs. Khem P., 47, and her husband, Mr. Sam-oeun Thoek, 48, were married in 1985. They have three children; one son and two daughters. Two of them married and lives in separated house. The family lives in a small village along national road number two about 12 kilometers from Phnom Penh City.

Khem has been a cleaner for five months. She works for a garment factory. Her husband has been a driver since he was married. The couple is in the process of building new house, but they don’t have enough money to finish it. Therefore, Khem is asking for her first loan of $1,000 to make the finishes.

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
  • 267
    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 $1,000 helped Khem to finish her house building.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 10, 2009
Oct 1, 2009
Currency Exchange Loss:
Dec 15, 2010