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Chhen is 50 years old. She is married and has four children. She is a farmer and has enough experience to manage this business since it is the major source of her income. As with other villagers, she chooses to grow rice crops because people use them every day, which results in a high demand for her products. She has been in this occupation for nearly 33 years and earns a net profit of $5 per day.

Chhen has never been with other state banks or MFIs before; this will be her first loan through Kiva and its partner, HKL. She is requesting a loan to build a latrine, and HKL has provided her with a special interest rate to encourage her to build a healthy family by releasing less pollutants. She appreciates all the help that Kiva lenders give her through HKL.

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
  • 52
    View loans »
    Cambodia Loans Fundraising
  • $38,691,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Chhen to build a latrine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 6, 2013
Currency Exchange Loss:
Jan 17, 2014