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Heng, age 43, is a rice farmer in the Prey Chor district of Kompong Cham province, Cambodia. In addition to her farming business, she raises pigs. She has been involved in these businesses for many years. She has gained a good deal of experience from this work, allowing her to expect positive business growth in the coming years.

Heng's husband also cultivates rice. This humble couple has five children, two of whom are enrolled in school and three of whom are working as factory workers in Phnom Penh city, where they can earn reasonable monthly salaries.

In order to upgrade the family's living standards, Heng would like to apply for a loan through HKL, a partner with Kiva, for the purpose of purchasing construction supplies, which will allow her to make essential repairs to the family house. Heng hopes eventually to have a house that is more comfortable for her family to live in.

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
  • 41
    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 $700 helped Heng to purchase construction supplies, which will allow her to make essential repairs to the family house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 10, 2012
Mar 12, 2012
Currency Exchange Loss:
Mar 21, 2013