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Loy is a 40-year-old married woman and a humble villager living in Kampong Chhnang province. Loy and her husband are in the same career as professional school teachers in local schools of the province. They are able generate a decent salary to support their family, especially school fees of their four children.

Loy is preparing to renovate her present house for a comfortable living but due to the lack of funds, she has applied for additional capital in the amount of 1,500,000 Riel (KHR) to purchase construction supplies. This loan will provide her family with a suitable house to improve their living conditions. She is confident of paying her loan back to Kiva lenders as scheduled so that she can take another loan in the future.

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
  • 262
    View loans »
    Cambodia Loans Fundraising
  • $38,023,250
    Funds lent in using Kiva
  • 4,057.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Loy to purchase construction supplies needed for housing construction.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 14, 2012
Oct 1, 2012
Currency Exchange Loss:
Sep 17, 2013