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Khieng, age 41, is married and has four children living at home in a small house in the Kien Svay district, Kandal province.

She and her husband are farmers and also health workers. She learned her business after she graduated from high school and met her husband. Three of her children are in school, but take time to help with household chores and farming activities when they don’t have any schedules at school.

With the loan Khieng has requested from HKL, she will build a latrine and a water storage tank, made of clay bricks and cement, to supply enough water for her household. The water supply of the state does not cover her area yet.

Through the loan support, she will be able to provide her family with a comfortable living. She is very happy and thankful, because with this loan purpose, HKL has provided her a special interest rate lower than its 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
  • 267
    View loans »
    Cambodia Loans Fundraising
  • $37,517,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Khieng to build a latrine and a water storage tank, made of clay bricks and cement, to supply water for her household.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Sep 16, 2013
Currency Exchange Loss:
May 17, 2015