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Mr. Phân S. was married years ago and his marriage has resulted in three children who are employed at different jobs. He has been working in construction since 2007. Phân S. has the skills to build local houses by hand using wooden housing materials. His wife has been cultivating a rice crop for years. Phân S. built his new house years ago, but his house is still not complete due to a lack of money. He is, therefore, applying for a US$700 loan from HKL to be used to finish building his new house.

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
  • 54
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Phân to finish building his new house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2009
Dec 1, 2009
Currency Exchange Loss:
Dec 16, 2010