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Phorn is 37 years old and lives in a rural village of Pursat province. She is in the farming business, primarily growing rice on around two-hectares of farmland. She has a common-law relationship with her spouse and has three children, who are attending school. She has been doing farming since a young age when she helped her parents.

Phorn aims to see her family living a healthy lifestyle and tries her best to increase their personal hygiene in living. That’s why she has requested a KHR 4,000,000 loan that will enable her to buy materials needed to build a latrine and pay for labor costs. Having a latrine to use in the household, she can promote the family's health and keep her family from spreading pollutants into the surrounding environment. Thanks to lenders for making loans in a program like Kiva via its partners, HKL is able to help low-income people gain access to sanitation and personal hygiene. For this water loan product, HKL has provided Phorn a special interest rate and more suitable loan terms than its general products.

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
  • 51
    View loans »
    Cambodia Loans Fundraising
  • $38,755,275
    Funds lent in using Kiva
  • 4,060.0
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Phorn to buy materials needed to build a latrine and pay for labor costs.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Sep 26, 2013
Nov 2, 2013
Currency Exchange Loss:
Jul 17, 2015