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Kosal, age 40, is a construction worker. His wife, Nara, age 35, is a bartender. Kosal and his wife live in a suburb of Phnom Penh, and they have two sons. One son attends school, while the other one is still too young for school.

Kosal is in the process of building a new house (in the photo), but the house is not finished yet. Hence, he has decided to apply for a loan in the amount of $1,500 in order to finish building his house and pay for the building fees.

Additional Information


MAXIMA Mikroheranhvatho is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.

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
  • 267
    View loans »
    Cambodia Loans Fundraising
  • $37,510,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Kosal to finish building his house and pay for the building fees.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 9, 2012
Jul 11, 2012
Currency Exchange Loss:
Aug 10, 2012