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Ret, aged 52, is a farmer in Rokhak Kiri district of Battambang province. She started farming in 1985 with the purpose of earning the income she needs to raise her family. She realized that she needed to be involved in another business in order to make enough money to provide the basic necessities for her family and to educate her children to the required educational standards. That’s why she decided to start a business of selling mixed grocery products in a local market.

Currently, Ret’s family doesn't have a safe latrine to use at home, so she would like to build one to improve their sanitation and personal hygiene. In this regard, she is asking for a loan of US$1,000 to build a household latrine and buy its accessories. Thanks to the water loan program offered by HKL with a special interest rate, it has encouraged her to focus on healthy living conditions in order to safeguard the health of her family and protect the environment.

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
  • 253
    View loans »
    Cambodia Loans Fundraising
  • $38,083,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ret to build a household latrine and buy its accessories.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 30, 2013
Currency Exchange Loss:
Jun 18, 2015