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Lay is a married woman of 49 who currently lives with her spouse and two unmarried children in Baray District, Kampong Thom Province. She is dedicated to her farming business, growing rice and cassava on her own land. She feels glad and lucky to have the support of her spouse and children, who are helping her with the farming activities. Farming is the sole source of her income, and she has been doing it for nearly 25 years.

Lay intends to use the loan to buy wood to renovate her old house. For this reason, she applied for a loan amounting to KHR 3,000,000 through HKL, one of Kiva partners. She has had six loans from HKL and has been recognized as a client with a good credit history. She thanks the lenders for the loan support to help her family.

Additional Information

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
  • 259
    View loans »
    Cambodia Loans Fundraising
  • $37,493,750
    Funds lent in using Kiva
  • 4,095.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Lay to buy wood to renovate her old house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 14, 2013
Aug 26, 2013
Currency Exchange Loss:
Mar 17, 2015