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Chea, 50, lives in Pursat, a province of Cambodia which is located in the western part of the country. Chea is a married woman who has lived through much adversity in life; but this has made her struggle every day to get ahead and offer a better quality of life to her children. She loves them very much and doesn’t want them to encounter hard experiences like she has. Three of them are married and the other two are her dependents. Through much effort and perseverance, she started a retail business in a market of her region. In this way she is able to support her family members, earning approximately of 10.00 US dollars per day.

Chea heard about HKL froma credit agent, and she decided she wanted to receive a loan to build a bathroom. This will improve her family's quality of life because currently there is no bathroom in the house. Her loan not only benefits her family, but also the surrounding environment by keeping it clean and minimizing disease. She is thankful to Kiva lenders for this loan support.

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
  • 264
    View loans »
    Cambodia Loans Fundraising
  • $38,016,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Chea to build a bathroom.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 15, 2013
Aug 19, 2013
Currency Exchange Loss:
Feb 20, 2015