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Ut is a resident living in Kampong Chhnang province. He is 28 and married to a local farmer. He has two school-aged children.

Ut helps his wife in managing the rice-farming business within the rainy season, and the rest of time, he is in the transportation business. He uses an old motorcycle to provide services to people in his neighborhood. Typically, he is able to make an average of USD $2.00 per day from this business. Ut starts his work schedule in early morning and works until five o’clock. He tries hard to earn money because he wants to provide a good living for his family and help his two children earn a degree later.

At present, Ut would like to request a loan in the amount of KHR 600,000 to add to his capital to purchase construction supplies such as bricks, cement, small stones and sand. This loan will be sufficient funds for Ut to repair and renovate his present house. He hopes that he will be able to provide a good education for his children.

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
  • $38,691,025
    Funds lent in using Kiva
  • 4,095.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $150 helped Ut to purchase construction supplies such as bricks, cement, small stones and sand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Jun 29, 2012
Currency Exchange Loss:
Feb 22, 2013