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Chan
Chan is 35 years old and a garment factory worker who always tries to work overtime in order to increase her monthly income. She is married and has been blessed with two children. Presently one of her daughters is working in a garment factory, while the other one is still a student in a local public school.


Chan is acquiring a loan of 500 USD from HKL. She will use it to fill the ground below her house, as in the rainy season it gathers rainwater. She will be very pleased to receive the loan given to her, confident that she will pay it back regularly and punctually.

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
  • 96
    View loans »
    Cambodia Loans Fundraising
  • $36,158,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD