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From Prey Chhor district, Kompong Cham province, Non is 24 years old and she is able to earn a daily income by planting seasonal crops. She has been in the farming business for over ten years.

Non has a life partner, Lav, who is in the same business. Together, they can generate a net profit of approximately of USD 8 per day for supporting the whole family. After being married for many years, they have given birth to a young child who still depends on their slight income.

Currently, their living condition is a bit of a sanitation concern since they still do not have a personal latrine for their family’s use, but they don’t have enough money to make it possible to get one.

That is the reason why Non would like to ask for loan from Kiva, through Hattha Kaksekar Limited (HKL), for the purpose of building a new latrine. Also, with the remaining funds, Non will dig a well in front of her house to get enough water for their consumption, especially in the dry season, which will last for six months of the year, starting in November and continuing until April. These Kiva funds can make her life better and more comfortable.

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
  • 268
    View loans »
    Cambodia Loans Fundraising
  • $37,506,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Non to build a latrine and dig a well for water.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Oct 9, 2013
Currency Exchange Loss:
Apr 16, 2014