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Trok is a borrower, aged 33, residing in Bakan district of Pursat province. For more than five years, she has been working in a wedding embellishing business. She is specialized in doing make-up for the bride and bridesmaids of a wedding. Since it’s a seasonal business, she has encountered a challenge to make a consistent income in terms of her daily consumption. Aside from her hardships in this career, she also helps her husband manage their rice farm. This couple doesn't have a child yet, but they hope to have one soon.

For now, she needs a loan in order to build a bathroom and a water storage unit. By having these for the household, she will be able to improve her standard of living, promote their health and reduce the time and energy burden of collecting water. She is very happy and thankful because with this loan purpose, HKL has provided her a special interest rate different from a general loan rate.

She awaits your kindness and relies on your generosity.

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
  • 201
    View loans »
    Cambodia Loans Fundraising
  • $37,037,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,500 helped Trok to build a bathroom and a water storage unit.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Sep 12, 2013
Currency Exchange Loss:
Feb 20, 2015