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Bit R. is a 42-year-old married woman living in Kompong Tom Province. She earns a living by growing different kinds of crops on her land in the village. She has been running her business over five years and currently earns around $1.5 in profit each day. Her husband assists her in planting crops.

Bit R. has five teenage childR., three of whom are employed -- one is a garment worker and two are construction workers.

Bit R. says that the height of her house is too short and it is not easy to come in and out. Because of this, she is applying for a loan to add to her personal savings to raise the frame of her 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
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $37,517,900
    Funds lent in using Kiva
  • 4,010.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Bit to improve her house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 10, 2011
Mar 10, 2011
Currency Exchange Loss:
Dec 17, 2011