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Nem is an industrious farmer and a widowed woman from a rural village in Baray district, Kampong Thom province. She has four children, three of whom are married and live independently. Nem has been engaging in farming to make a living and also sells breakfast (Khmer noodle with soup) from her home for additional income. From the current businesses, she can make approximately 6.40 USD per day.

As this will be her eighth loan cycle, Nem will use this loan to build a safe latrine to improve the household's sanitation and personal hygiene. With the financial support of the loan, Nem hopes that everyone in her family can live a comfortable lifestyle. Thanks to the water loan program offered by HKL with a special interest rate, she is encouraged to focus on ensuring healthy living conditions 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
  • 49
    View loans »
    Cambodia Loans Fundraising
  • $38,746,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Nem to build a safe latrine to improve the household's sanitation and personal hygiene.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 31, 2013
Dec 1, 2013
Currency Exchange Loss:
Jun 18, 2015