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Nam is borrowing her first loan from HKL in the amount of 2,500 US dollars to build a bathroom and extend the water system into her house. Nam believes that the entire family will benefit from the bathroom and the water, because the main challenge they face is to have enough clean water for their daily consumption. This way, she will be able to provide healthy conditions and secure the overall welfare of her family.

To connect her house with the water pipes, she needs 1) to buy pipes, and 2) pay the first connection fees to the supplier, and 3) pay for the connection services of a plumber. Nam is very grateful to all kind lenders who offer Kiva loans to improve living standards. Nam is 41 years old and a mother of three children.

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
  • 285
    View loans »
    Cambodia Loans Fundraising
  • $38,170,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Nam to build a bathroom and extend the water system into her house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 14, 2013
Jun 29, 2013
Currency Exchange Loss:
Nov 19, 2013