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San is married and a single mother of two grown-up children. San is one of Cambodia's Muslims who currently lives in Reussey Keo district, Phnom Penh. At her age of 59, San is an industrious housewife, always taking care of her children and working for a healthy family. Her family’s income depends on her two children; her daughter, who is a garment worker, and her son, who provides tuk-tuk services around the city.

Due to insufficient capital for building a house, San is seeking a loan from Hattha Kaksekar Limited (HKL), a long-standing Kiva partner, to buy needed materials for housing construction. Just for a suitable shelter, it is going to cost USD 1,500. This loan will help prevent her family from paying a higher rent for a room and will improve their standard of living.

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
  • 305
    View loans »
    Cambodia Loans Fundraising
  • $37,552,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped San to buy needed materials for housing construction.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 5, 2013
Apr 3, 2013
Currency Exchange Loss:
Oct 17, 2014