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Y, 48, is married and the mother of three adult children, one of whom is married and lives separately. She's a homemaker and a farmer helping her husband manage their own a few pieces of land for farming rice as it the sole source of income. Her challenge is unwanted weeds and pests which prevent her crops from growing freely, and reduce her productions. She has been doing farming business for more than 20 years.

Y wants to improve the general living condition of the entire family, so she needs a loan to build a bathroom, which can be used comfortably by her family members. This loan will increase the value of her house and also keep the surrounding environment clean and lessen disease. Her plans for the future are to have additional lots to cultivate and gain more outputs, and to transform from subsistence farming to a successful commercial agribusiness.

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
  • 45
    View loans »
    Cambodia Loans Fundraising
  • $38,770,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Y to build a bathroom, which can be used comfortably by her family members.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Aug 20, 2013
Currency Exchange Loss:
Jul 17, 2014