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Mrs. Toem, forty-two, is a humble villager who lives in Ornlong Veng district of Siem Reap province. She has a common law relationship with her husband who sells groceries from their home, and she has been blessed with two children; one is married and one is single. She generates her income by making a kind of cake which she sells to people in her neighborhood. This cake can be eaten with tea or coffee and sometimes we can eat it with porridge as well. She typically earns around $3.00 per day.

Toem will use the amount she is requesting from HKL and Kiva to pay for the work that is being done on her house, which is currently under repair. And with the remaining funds, she’ll buy a stock of merchandise to support her husband’s business. In the future, Toem hopes to expand her store and sell many products to satisfy her customers and thereby increase her household income.

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
  • 37
    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 $1,200 helped Toem to pay for the work that is being done on her house which is currently under repair.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 10, 2012
Feb 11, 2012
Currency Exchange Loss:
Jul 15, 2012