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At the age of 59, Man is a married woman with seven children, three of whom decided to work in a casino to get monthly payments because they want to help their parents earn their living. Man lives in a rural area of Prey Chor district, Kompong Cham province.

Man has owned and run a grocery from her home for almost ten years, generating a net profit of USD 5 per day to meet the basic needs of her family and pay allowances for her school-aged children. Likewise, her husband provides bicycle-repair services from their home to increase the household income.

Man just started her first loan through Hattha Kaksekar Limited (HKL), a long-standing Kiva partner. Now she is asking for a loan of USD 500 (US dollars). Man will utilize it to construct a bathroom, which will contain a bath and a toilet. She hopes this loan will help her family to have a healthy bathroom, so as to improve their hygienic standard of living.

Additional Information

More information about this loan

This loan is part of HKL's new water and sanitation loan program designed to help improve living standards of poor and low-income people living in Cambodia. Loans under the program are directed at various products that help improve access to clean water and improved sanitation facilities including loans for water tanks, filters, wells, distribution, and latrines. These loans help to reduce rates of waterborne disease, improve health, and increase economic outcomes for poor families. HKL has designed this social loan product to feature a lower rate than typical.

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
  • 256
    View loans »
    Cambodia Loans Fundraising
  • $38,131,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Man to construct a bathroom, which will contain a bath and a toilet.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 7, 2013
Currency Exchange Loss:
Nov 17, 2014