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Phom is a 25 year old garment factory worker (husband shown) in Kompong Speu province. Her work schedule runs from 7am to 5pm, and usually includes a one-hour lunch break. Sometimes she works overtime in order to make more money. Typically Phom earns approximately $60 per month.

She lives with her husband and three school-aged children.

With the sums of $1,100 from HKL, Phom will expand and repair her house. Her house is old and too narrow.

Phom said she and her husband will try harder to earn more income to ensure a brighter future for her children. Phom is a conservative woman, so her husband is in the photo.

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
  • 42
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Phom to expand and fix her house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 16, 2011
Dec 1, 2011
Currency Exchange Loss:
Jan 23, 2013