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Ly is 37 years old and a married woman with two children. She lives in a peaceful village of the Bakan district of Pursat province, which is located in the western part of the country. To earn a living, she owns and helps her husband operate a rice farm as their major source of income. In years to come Ly aims to get ahead in her current business, saving and buying additional lots to gain more harvest, through her effort, sacrifice and perseverance.

She wants to improve the general living condition of the entire family--that’s why she has requested a loan to build a latrine in her home and buy its facilities. Through the loan, she will be able to make her family members more comfortable and increase the value of his house. She is thankful for the loan granted through HKL with a much lower interest rate than the usual loan products.

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
  • 46
    View loans »
    Cambodia Loans Fundraising
  • $38,692,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ly to build a latrine in her home and buy its facilities.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Aug 20, 2013
Currency Exchange Loss:
Jan 17, 2014