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Sem, aged 43, is a humble farmer and a responsible mother of one child. She lives in Kompong Speu province. Sem is an industrious farmer, working full time at the rice field, earning $2 US per day to add to her husband’s income. Sem’s husband is involved in the business of fishing and selling fish.

Sem is taking out a loan because she needs additional funds to have her house completely repaired. She will use the loan to pay for labor costs and to purchase building materials needed for the construction. She hopes to have a suitable house for her family and provide them with good living conditions. In the future, Sem wishes to have additional pieces of farmland for better yields and to increase her income to meets the family's living needs.

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
  • 299
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • 4,000.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Sem to pay for labor costs and to purchase building materials needed for the construction.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Dec 1, 2012
Currency Exchange Loss:
Oct 17, 2013