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Lors, 43, lives with his family in the Baray district of Kompong Tom province. His current business is to provide construction services to people around the province. He has a team providing these services, and earns approximately USD 5.00 per day. Married to a local rice farmer, he has five single children, three of whom are working for a garment factory in Phnom Penh to help the family, while the other two are still attending the local school.

With his fourth loan from HKL, Lors would like to purchase building supplies such as timbers and floorboards to renovate and expand his house. He hopes to provide improved living conditions for his children through his efforts and with the help of the loan. In the future, he aims to become financially stable so that he can educate his children to at least the high school level.

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
  • 45
    View loans »
    Cambodia Loans Fundraising
  • $38,762,275
    Funds lent in using Kiva
  • 4,090.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Lors to purchase building supplies such as timbers and floorboards to renovate and expand his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 7, 2012
Jun 20, 2012
Currency Exchange Loss:
Jun 26, 2013