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Toem is 44 years old and a father of four children, living in his own home in Pursat province. There he grows rice on about one and a half hectares of farmland, earning a profit of approximately $7.00 per day from his hardships. He is a hardworking and honest man who aims to improve his standard of living. Thanks to the work he does, he is able to pay for some of his expenses and educate his children in school.

Toem is requesting a loan of 1,500 USD in order to build a latrine and water storage. Having a latrine and water storage in the household will increase the value of his home, protect the family from spreading diseases, reduce the time and energy burden of water collection from day to day, and enable household members to engage in other activities, among them productive and income-generating activities. He hopes to have a fruitful harvest to meet the basic needs of his family.

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
  • 263
    View loans »
    Cambodia Loans Fundraising
  • $38,023,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Toem to build a latrine and water storage.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 26, 2013
Sep 10, 2013
Currency Exchange Loss:
Dec 17, 2014