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Phan, 43, lives with her husband and four children in a small village of the Moung Ruessei district, in the Battambang province. Until recently, she has worked in agribusinesses, growing rice and cassava, and helping her husband breed fish to ensure the needs of her children, two of whom are enrolling in school. She and her husband learned the two businesses through a project of Cambodia HARVEST, a project supported by Feed the Future, the US government’s global hunger and food security initiative. Phan’s house was chosen to be a training center by Cambodia HARVEST. There, lots of the village's people gathered to join and improve the capacity in their businesses. Working with the project for the past few years, Phan is able to make a net income of $8.00 USD per day by growing seasonal crops and breeding fish.

Phan is applying for a $2,000 USD loan to buy solar energy systems to supply the energy to her household. With the remaining funds, she will buy materials and hire people to construct two bathrooms for her family members as well as trainees of Cambodia HARVEST, who come to join the training course. She hopes that, through the loan, she can provide a comfortable lifestyle to all of her children.

Additional Information

More information about this loan

This loan is part of HKL's new green loan program designed to help improve living standards of poor and low-income people living in rural areas of Cambodia by giving them access to clean energy. Solar loans under this program allow poor families living off the grid to invest in solar home systems that can power lights, fans, radios, and mobile phones. HKL also disburses loans for biogas digester plants which allow farmers to convert animal and human waste into biogas that can be used to power clean cookstoves and organic fertilizer for their farms. These loans have numerous economic, health, environmental, and social benefits for families which include saving money and time collecting fuelwood, reducing smoke-borne diseases, and allowing family members to do schoolwork and housework in the evening. HKL has designed these social loan products to feature a lower interest rate than typical Kiva loans.

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 Cambodia

  • $2,600
    Average annual income
  • 235
    View loans »
    Cambodia Loans Fundraising
  • $37,987,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Phan to buy solar energy systems to supply energy to the household.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jun 19, 2013
Currency Exchange Loss:
Sep 17, 2014